SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Never miss a payment with SmartPay Sync
Set it once, and let our AI-powered system handle your payments. SmartPay learns your income pattern to create a seamless payment schedule, ensuring you stay on track without the stress.
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Why SmartPay Sync
works for you
Payments that fit your life — not the other way around.
Never Miss
a Payment
Automatic payments sync with your schedule, so due dates don't catch you off guard.
Say goodbye
to late fees
Smart scheduling means your bill is paid before the deadline — every time.
Build healthier
credit score
On-time payments are reported to Equifax and TransUnion, helping your score grow.³
Cashback 0.5%
for paying in full
Pay your statement balance in full and earn 0.5% Cashback — automatically.⁵
Build a stronger
credit score
SmartPay Sync helps you reach good credit status faster. By analyzing your income and aligning payments with your pay schedule, it ensures you never miss a due date — boosting the most critical factor in your credit score.³
Smart Pay Sync helps you
build good
credit — faster
510
Smart payment experience with SmartPay Sync
SmartPay Sync
Automate smart payments to avoid late fees
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
PayDay Scan™
Detect paydays to align due dates
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
SmartPay Sync
Automate smart payments to avoid late fees
PayDay Scan™
Detect paydays to align due dates
Smart payment experience with SmartPay Sync
Payments that work around your payday
SmartPay Sync learns when you get paid and schedules your payments automatically — so your bill is always covered when you have the funds.
Smart payment options designed for your success
While most credit cards only require a minimum payment of 3%, we believe in helping you build stronger financial habits. That's why we've designed payment options that encourage responsible credit management:
20% Minimum payment
of statement balance
- Lowest payment amount
- Build credit slowly
- 0.5% on each on time payment Cashback
50% Mid-range payment
of statement balance
- Balanced option
- Build credit steadily
- Moderate interest savings
75% Smart payment
of statement balance
- Keep ~25% utilization on your card
- Build credit quickly
- Friendly with credit bureaus
100% Full Payment
of statement balance
- 0% interest charges
- Perfect for credit score
- Best option for credit bureaus
- 0.5% Cashback bonus for full payment
How SmartPay Sync compares to traditional payments
Earna SmartPay vs Traditional payment
Schedule setting
Income-based smart scheduling
Fixed dates only
Payment options
Multiple flexible options
Usually minimum payment only
Income pattern analysis
Advanced AI adaptation
None
Full balance payment reward
Extra 0.5% cashback
None
Schedule changes
Extra 0.5% cashback
Manual updates required
Overdraft protection
Smart scheduling to avoid overdrafts
Basic or none
Payment notifications
Smart scheduling to avoid overdrafts
Basic or none
Custom scheduling
Comprehensive smart alerts
Basic confirmation
Earna SmartPay vs Traditional payment
- Schedule settingIncome-based smart scheduling Fixed dates only
- Payment optionsMultiple flexible options Usually minimum payment only
- Income pattern analysisAdvanced AI adaptation None
- Full balance payment rewardExtra 0.5% cashback None
- Schedule changesExtra 0.5% cashback Manual updates required
- Overdraft protectionSmart scheduling to avoid overdrafts Basic or none
- Payment notificationsSmart scheduling to avoid overdrafts Basic or none
- Custom schedulingComprehensive smart alerts Basic confirmation
Easy setup with SmartPay
100%
Current payment
Avoid interest & show excellent
management
Choose your payment
Set a percentage or pay in full for max rewards
Show more
Connect your bank
Securely link & verify instantly
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Best schedule
AutoPay AI suggests the best dates, or customize your own
SmartPay
Activate & Relax
Review, activate, and let Autopay handle the rest
Real stories from our members
Get access to your credit in 60 seconds
- 1
Submit online application
2 minutes to submit
- 2
Get approved
Instant decision in 60 seconds
- 3
Start spending today
Use your digital card right away
FAQ
Can't find what you're looking for?
Contact us here:
[email protected]
Quick answers to questions you may have
How do I apply for an Earna card?
Visit www.earna.com and click “Sign Up.” Enter your email address, create a secure password, and provide basic personal details like your full name and date of birth. Follow the email verification link to activate your account. You’ll need an active account before applying for an Earna card.
Are there fees for using Earna?
Earna is free for basic use. Certain transactions or premium features may incur fees, detailed in the Fees section on www.earna.com().
Can I use Earna for online purchases?
This question pertains to the functionality of the Earna card or account for transactions, making it a clear fit for the Payments & Transactions category.
How long does it take to get approved?
Card approval typically takes 3–7 business days, depending on the completeness of your application and verification requirements. You’ll receive an email update on your status.
How do I earn rewards on Earna?
Earn rewards by completing eligible activities, such as transactions, referrals, or promotions. Check the Rewards section in your account for details.