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
Instant and safe access to your credit card
60-second
approval
No waiting
No wondering2,4
- No security deposit required
- Real unsecured card
- Apple Pay & Google Pay
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.
Online application
24/7Age of majority
Pass
Minimum monthly income
Pass
Canadian bank account
Pass
Canadian resident
Pass
No minimum credit score required
Pass
Build your credit score with Earna card
Credit score
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Credit score
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Build your credit score with Earna
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.
Every purchase pays you back
Earn real Cashback on everyday purchases, unlock bonus rewards by completing financial challenges, and get paid to build your money skills with bite-sized lessons.
- Cashback on essentials
Get 1% Cashback on the essentials—groceries, gas, pharmacy, and transport. Pay your full balance and earn an extra 0.5% back.⁵
- Challenges that pay
Complete financial challenges in the app and earn bonus Cashback. Small wins that add up.⁵
- Get paid to level up
Watch bite-sized money lessons, take quick quizzes, and get rewarded for building smarter habits.⁵
Every purchase pays you back
Earn real Cashback on everyday purchases, unlock bonus rewards by completing financial challenges, and get paid to build your money skills with bite-sized lessons.
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Payment day
Mo
Tu
We
Th
Fr
Sa
Su
20%
Minimum payment
Begin your credit-building journey
Lowest payment amount
Build credit slowly
More time to repay
Choose this plan
50%
Mid-range payment
of statement balance
Balanced option
Build credit steadily
Moderate interest savings
Choose this plan
75%
Smart payment
of statement balance
0% interest charges
Build credit quickly
Extra 0.5% cashback bonus for full payment
Choose this plan
Full
Complete balance
full current balance every
time you get paid
Lowest payment amount
Fastest build credit option
0.5% on each on time payment
100% available credit
Choose this plan
Payment History
Payday+$1,538
May 14, 2026
SmartPay Sync payment-$53.75
May 14, 2026
Payday+$1,538
May 28, 2026
End of 60 days period, if you want to see transaction older than 60 days go to the statements page
See older transactions
Report to credit
bureau
How SmartPay SyncTM works?
01
PayDay Scan™ detects your income
Our technology automatically analyzes your bank deposits to identify your pay rhythm — weekly, bi-weekly, or monthly.
02
Choose your strategy
Select the percentage of your statement to pay automatically. From minimum to full, you stay in control.
03
Automatic synchronization
SmartPay Sync aligns your payments with your paydays. You're always paid before the payment is withdrawn.
How SmartPay SyncTM works?
01
PayDay Scan™ detects your income
Our technology automatically analyzes your bank deposits to identify your pay rhythm — weekly, bi-weekly, or monthly.
02
Choose your strategy
Select the percentage of your statement to pay automatically. From minimum to full, you stay in control.
03
Automatic synchronization
SmartPay Sync aligns your payments with your paydays. You're always paid before the payment is withdrawn.
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
20%
Minimum payment
Begin your credit-building journey
Lowest payment amount
Build credit slowly
More time to repay
Choose this plan
50%
Mid-range payment
of statement balance
Balanced option
Build credit steadily
Moderate interest savings
Choose this plan
75%
Smart payment
of statement balance
0% interest charges
Build credit quickly
Extra 0.5% cashback bonus for full payment
Choose this plan
Full
Complete balance
full current balance every
time you get paid
Lowest payment amount
Fastest build credit option
0.5% on each on time payment
100% available credit
Choose this plan
Payment History
Payday+$1,538
May 14, 2026
SmartPay Sync payment-$53.75
May 14, 2026
Payday+$1,538
May 28, 2026
End of 60 days period, if you want to see transaction older than 60 days go to the statements page
See older transactions
Report to credit
bureau
Real stories from
our members
Getting started is simple
Apply online
Fill out our quick digital application – no paperwork, just a few simple steps to get started on your financial journey.
Instant decision
Get approved in 60 seconds! Your virtual card is ready immediately, so you can start earning rewards right away2.
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.
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.
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
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.