Earn $25 for Every Friend Who Joins

Share Earna with friends and you both get $25 when they join and make their first purchase. It's that simple.5

Start Earning Now

How It Works 3 Simple Steps

01

Share Your Link

Grab your unique referral link directly from the Earna app and share it with friends via text, email, or social media.

02

Approved instantly

earna-1-recto

Friend Signs Up

Your friend uses your link to apply for an Earna card and gets approved in just 60 seconds.2,4

03

+$25

Both Get Rewarded

Once they make their first statement payment, you both receive $25 cashback added to your Rewards Wallet instantly!

Get the most out of every link you share

Get the most out of every link you share

$25 for Each Referral

Every friend who joins and makes their first $10 purchase earns you both $25.

$50 Referral Extra Rewards

Earn $50 for every referral instead of $25 on premium plan.

Leaderboard Challenges

Join our monthly referral competition. Top performers share a $1,000 prize pool.5

Why Your Friends Will Thank You

$25

After
transaction

Instant welcome bonus

Approved instantly

Approved instantly

Credit building and credit score3

$1,200

Value worth a year

Benefits worth $1,200 annually

Extra Referral Rewards

$1,000

Leaderboard Challenges

$1,000
Rewards Pool
12h : 45m
Jan 29, 2025

Andrew

25 referrals

$250

Camilo

35 referrals

$350

John

14 referrals

$99

Join our monthly referral competition. Top performers share a $1,000 prize pool.

$50

Bonus events

Share link and get

$50

Share the link & both you and your friend get rewarded!

23h : 1m : 45s

Share

Join our monthly referral competition. Top performers share a $1,000 prize pool.

Experience the Premium Package

Your physical card unlocks powerful features and exclusive benefits5

Cashback

Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full.

Physical card

Physical card shipped same-day. Tap-to-pay enabled, accepted worldwide wherever Visa is accepted.

24/7 VIP Support

Skip the line with dedicated phone support and live chat. Get expert help whenever you need.

Extra rewards

Refer friends and earn $50 for every approved referral—double the standard bonus. Plus, get rewarded for completing financial challenges and credit quizzes in the app.

Metal card (optional)

Upgrade to a sleek, high-end metal card that feels as premium as your progress.
Available exclusively for Obsidian cardholders.

FAQ

Can’t find what you’re looking for?
Contact us here:
[email protected]

Quick answers to questions you may have

How soon will we receive our rewards?

Rewards are added to both Rewards Wallets instantly after your friend makes their first statement payment.

Is there a limit to how many friends I can refer?

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.