60
seconds
approval2
Why Choose Earna's Virtual Credit Card
Cash advance included
Approved instantly
Credit building
and credit score
Works with Apple Pay and Google Pay
Shop online, tap in-store, or use it anywhere
Tap, pay,
and go
Build your credit score with Earna card
Credit score
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Credit score
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Build your credit score with Earna
Report to Equifax & Transunion monthly³
Credit limit increase automatically⁵
Lower interest rate each year for 1%⁵
SmartPay Sync™ to avoid missed payments
We report your good habits to Equifax monthly, so your responsible spending builds real credit history. No tricks, no gimmicks – just steady progress you can track right in the app.
Full Visa Zero Liability worldwide
Shop worry-free everywhere Visa* is accepted. Protected from unauthorized charges 24/7, anywhere in the world.
Please note that cardholders are responsible for protecting their PIN.
Detailed information about transaction
Check subscriptions tied to your card
Create stop payments for subscriptions on your card
Manage your card right from the app
Manage your card right from the app
Prevent unwanted charges
Lock your card with one tap to block unauthorized charges and unlock it anytime.
Control your expenses
Track every purchase instantly. Know your balance, pending charges, and card utilization.
24/7 Online customer support
Get help anytime you need it. Real people, real answers, available 24/7.
View your card details instantly
Need your card info for an online purchase? View it securely in the app—no physical card required.
Experience the Premium Package
Your physical card unlocks powerful
features and exclusive benefits5
Cashback
Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full.
Physical card
Physical card shipped same-day. Tap-to-pay enabled, accepted worldwide wherever Visa is accepted.
24/7 VIP Support
Skip the line with dedicated phone support and live chat. Get expert help whenever you need.
Extra rewards
Refer friends and earn $50 for every approved referral—double the standard bonus. Plus, get rewarded for completing financial challenges and credit quizzes in the app.
Metal card (optional)
Upgrade to a sleek, high-end metal card that feels as premium as your progress.
Available exclusively for Obsidian cardholders.
FAQ
Can't find what you're looking for?
Contact us here:
[email protected]
Quick answers to questions you may have
What do I need to Qualify for an Earna credit card?
Earna card is available to all Canadians—whether you’re a citizen or resident. We accept all types of income, with a minimum net income of just $800. Approval is based on your spending behavior, not your credit score, making it accessible for more people. As long as you have a Canadian bank account and are 18 years or older, you’re ready to go!