Real unsecured credit card
Build credit from day one with a real credit card – no training wheels, no deposits locked away.
Unsecured credit card
Build credit with
a real credit card3
Building credit doesn’t have to be
complicated! Earna makes it simple with
tools designed to help you
succeed.
Everything you need to build credit that actually counts
Watch your score grow with tools that work as hard as you do
Reporting to credit bureaus
We report your payment history to Equifax and TransUnion every month.
SmartPay Sync™ to avoid missed payments
SmartPay Sync™ syncs with your payday automatically. Set it once, and never stress about due dates again.
Increase credit limit every 6 months
Pay on time for six months and unlock an extra $100 in credit5. No paperwork, no begging, no hard credit checks.
How It Works
01
Approved instantly
Apply online and get instant decision4
No paperwork, no waiting rooms, no judgment. Our AI-powered approval takes just 60 seconds2. Get your virtual card instantly and start using it right away with Apple Pay or Google Pay.
02
Spend, earn, and pay on time
Use your card for everyday essentials and earn Cashback5. Set up SmartPay Sync to match your payday, and never worry about missing a payment. Every purchase, every payment – it all counts toward building your credit.
03
60
Watch your credit score grow monthly
We report your good payment habits to Equifax and TransUnion monthly. Watch your score climb, unlock credit limit increases every 6 months, and earn lower interest rates annually5. Your progress, recognized and rewarded.
How Much Will Credit Builder Boost Your Score?
Earna members are taking control of their journey and seeing real credit improvements — join them today!
Average score gain customers see in 12 months3
+60
Your credit score:
The difference between struggle and freedom
Same car, same apartment, same life.
But good credit could save you $10,000+ over 3 years!
Bad credit score
Car loan: 19% APR = $7,800 more paid
Credit cards: 28%+ APR, minimal rewards
Rent: First + last + security deposit
Opportunities: Many doors stay closed
Fair credit score
Car loan: 8% APR = thousands saved
Credit cards: Rewards that pay you back
Rent: Better apartments, lower deposits
Opportunities: Approved for what you need
Access to Your Credit Health by Equifax,
Always Free, Always
Visible
Your Credit Health, powered by Equifax, is a tool included with every Earna Visa* card. No subscription fees, no hidden costs — just complete transparency about your credit health, right in the app.
Access to Your Credit Reports
Credit Score Monitoring
Credit Alerts
Personalized Insights
Score Simulation Tools*
Tools to Help Better Protect Your Identity
Full Credit File Access
Regular Score Updates
Fraud Monitoring Support
Financial Education Resources
*Score simulations reflect one credit score version and may not match the score used by other lenders or credit bureaus.
Real stories from our Obsidian members
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Earna.
"This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It's a real feeling of freedom!"
Sophie T.
"Earna doesn't just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score."
Alicia L
"With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress"
Mark L.
"This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It's a real feeling of freedom!"
Sophie T.
"Earna doesn't just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score."
Alicia L
"With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress"
Mark L.
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!
Is there a minimum credit score required to apply?
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!
What are the fees associated with the Earna 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!