The Earna App: Where Credit Building Gets Simple

With the Earna app, everything you need lives right in your pocket – instant Cashback tracking, one-tap card controls, and cash advances that arrive in minutes.

Join over 50.000+ Canadians

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Instant and safe access to your credit card

60-second
approval
No waiting
No wondering2,4

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  • No security deposit required
  • Real unsecured card
  • Apple Pay & Google Pay
Apple Pay
Google Pay

Access to your credit card online

Lock/Unlock your card with one tap

Control your expenses and transaction details

Our online application makes approval simple

Our proprietary EarnaScore™ AI looks beyond traditional credit scores to give you a fair chance. We consider your income, stability, and potential – not just your past.

Age of majority

Pass

Minimum monthly income

Pass

Canadian bank account

Pass

Canadian resident

Pass

Apply in 60 seconds,
start building credit today2

Build your credit score with Earna card

Credit score

30 pts

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.

Cashback & Rewards

Real Cashback

Real money back on the stuff you already buy – groceries, gas, pharmacy, transport

Challenges5

Complete fun financial challenges and earn $20-35 per challenge.

Financial education

Money skills that actually matter.From credit basics to investment strategies

Find deals, Discounts, Special offers in your Earna app

Your Earna membership includes exclusive access to hundreds of discounts on entertainment, dining, travel, and more. Save on the things you love while building your credit – it's just another way we help your money go further5.

15% off

Sport events

15% off

Concerts

15% off

Parks & Attractions

15% off

Movie tickets

15% off

Comedy shows

15% off

Dining & Food

AutoPilot Pay™

Automate smart payments to avoid late fees

Choose payment amount

20%

50%

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

Smart payment experience with SmartPay Sync™ Suite

Security & Support

Banking security shouldn't keep you up at night. That's why we've built multiple layers of protection into every transaction. Visa Zero Liability means you're never on the hook for fraud. Our AI monitors every swipe 24/7. And when you need help? Real humans are standing by, ready to solve problems. Please note that cardholders are responsible for protecting their PIN.

Online support team

Visa security features

Zero Liability Protection

Lock/unlock card

Transaction monitoring

Online support team

Visa security features

Zero Liability Protection

Lock/unlock card

Transaction monitoring

Online support team

Visa security features

Zero Liability Protection

Lock/unlock card

Transaction monitoring

Real stories from our members

Sophie T.

““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.

Alicia L

“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

Mark 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.

Getting started is simple

01

Apply online

Fill out our quick digital application – no paperwork, just a few simple steps to get started on your financial journey.

02

Approved instantly

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Instant decision2,4

Get approved in 60 seconds! Your virtual card is ready immediately, so you can start earning rewards right away2.

03

Add your virtual card

Add to Apple Pay or Google Pay with a tap and start using your Earna card instantly – no waiting to start earning Cashback.

04

5-7 business days

Physical card

Want a physical card too? Upgrade to our Premium package and your sleek Earna card arrives in 5-7 business days. Meanwhile, start earning rewards immediately with your virtual card.

90% of applicants get approved — no credit score required.⁴

Apply onlineCardsCards
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!

How can I manage my card and payments using the mobile app?

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 is Zero Liability Fraud Protection, and how does it work?

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!
View legal footnotes

1 Earna Credit Cards does not have annual fees paid upfront, instead, to help you manage your finances, you will only need to pay monthly fees included on your monthly statement.

2 Individual cases may vary. Please contact our Support Team if you experience difficulties.

3 Earna reports your payment activity to one or more credit bureaus to help establish your credit history. Credit scores are calculated using complex models that consider multiple factors. Making on-time payments regularly can help improve credit scores, while missed or late payments can lower them. Individual results may vary.

4 Approval is not guaranteed and terms and conditions apply.

5 Refer to Earna Rewards Policy for details on earning cashback. Other terms and conditions may apply, find the complete policy here.

6 Credit limit increases are subject to eligibility and require the account holder’s express consent. Terms and conditions apply.

7 Eligible interest rates may decrease by up to 1% annually for accounts in good standing, subject to a set minimum and other eligibility criteria. Not all rates are eligible. Terms and conditions apply.