Privacy Policy

Last Updated: June 25, 2025

Earna ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card solutions ("Services"). Please read this policy carefully.

1. Information We Collect

We collect the following types of information:

  • Personal Information

    : Name, email address, phone number, billing address, and payment details (e.g., credit card numbers).

  • Usage Data

    : Information about how you interact with our Services, such as transaction history and account activity.

  • Device Information

    : IP address, browser type, and device identifiers.

2. How We Use Your Information

We use your information to:

  • Process credit card transactions and manage your account.

  • Provide customer support and improve our Services.

  • Comply with legal obligations and prevent fraud.

  • Send you updates, promotions, or alerts (with your consent).

3. How We Share Your Information

We may share your information with:

  • Service Providers

    : Third parties that assist with payment processing, fraud detection, or customer support.

  • Legal Authorities

    : When required by law or to protect our rights.

  • Business Transfers

    : In connection with a merger, acquisition, or sale of assets.

We do not sell your personal information to third parties.

4. Data Security

We implement reasonable security measures to protect your information, such as encryption and secure servers. However, no system is completely secure, and we cannot guarantee absolute security.

5. Your Choices

You may:

  • Access, update, or delete your personal information by contacting us.

  • Opt out of promotional communications by following unsubscribe instructions.

  • Disable cookies through your browser settings, though this may affect functionality.

6. Data Retention

We retain your information only as long as necessary for the purposes outlined in this policy or as required by law.

7. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for their privacy practices.

8. Children's Privacy

Our Services are not intended for individuals under 13. We do not knowingly collect data from children.

9. International Users

If you are outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of changes by posting the updated policy on our website.

11. Contact Us

For questions or concerns about this Privacy Policy, contact us at:

  • Email:

    [email protected]

  • Address: Earna, 123 Business St., Suite 100, San Francisco, CA 94105

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.