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Is there a fee for replacing the Earna Obsidian credit card?

The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
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1Annual Fees may be paid monthly. Other terms and conditions may apply. Find the complete terms and conditions here.

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 Other terms and conditions may apply. Find the complete terms and conditions here.