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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!
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.