How do I apply for an Earna card?

How do I create an Earna account?

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.

What information do I need to sign up?

You’ll need a valid email address, a password (at least 12 characters with letters, numbers, and symbols), and personal details such as your full name, date of birth, and phone number. For card applications, additional financial information (e.g., income, employment status) may be required during verification.

Can I have multiple Earna accounts?

No, Earna allows only one account per user to ensure security and compliance. Multiple accounts may lead to suspension. If you’re applying for a card, use your primary account. Contact [email protected] for assistance with account issues.

How do I enable two-factor authentication?

To enhance security for your account and card application, go to Account Settings > Security, select “Enable 2FA,” and link an authenticator app (e.g., Google Authenticator) or your phone number for SMS codes. Follow the prompts to verify and activate 2FA.

How can I change my login email?

In Account Settings > Profile, select “Change Email.” Enter your new email address, verify it via a confirmation link sent to the new email, and authenticate with your password or 2FA code. Ensure your email is updated before applying for the card to receive application updates.

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.