Approved in under a minute.
I'd been declined by every major bank because of my score. Earna gave me an answer in 60 seconds and a real Visa with no deposit. I almost didn't believe it
Aisha K
Brampton, ON
I'm building this on my own.
I immigrated to Canada in 2021 with a degree and zero credit history — refused everywhere, no explanation. Earna approved me on a Sunday night out of curiosity. Last month, I got my first car loan with no co-signer.
Aisha G
Brampton, ON
I can sign things alone now.
After my divorce, I was invisible on paper; three landlords turned me down. Earna approved me in four minutes with no co-signer. Eighteen months later, I'm signing my own lease.
Melanie R.
Brampton, ON
Renting my dream apartment.
At 32, I'd never owned a credit card — raised to fear debt, ended up with no history at all. Earna approved me in 60 seconds with a $700 limit. Fourteen months later, I'm signing for an apartment in the Plateau.
Sarah B.
Toronto, ON
A card I could actually use.
After a job loss, two credit repair companies charged me hundreds and did nothing. A coworker mentioned Earna — no fees, no fine print, just a card that worked. Twenty months later, my own bank approved me for a regular Visa.
Marcus T.
Calgary, AB
Approved in under a minute.
I'd been declined by every major bank because of my score. Earna gave me an answer in 60 seconds and a real Visa with no deposit. I almost didn't believe it
Aisha K
Brampton, ON
Renting my dream apartment.
At 32, I'd never owned a credit card — raised to fear debt, ended up with no history at all. Earna approved me in 60 seconds with a $700 limit. Fourteen months later, I'm signing for an apartment in the Plateau.
Sarah B.
Toronto, ON
Groceries pay me back
1% cashback on groceries adds up fast when you have two kids. Plus the 0.5% bonus for paying in full feels like a thank-you for being responsible.
Marie D.
Brampton, ON
They saw the fraud before I did.
Got a call about a suspicious $400 charge from another province. Card frozen, replaced, refunded — all before I'd even noticed.
Étienne G.
Saint-Jean-sur-Richelieu, QC
I'm building this on my own.
I immigrated to Canada in 2021 with a degree and zero credit history — refused everywhere, no explanation. Earna approved me on a Sunday night out of curiosity. Last month, I got my first car loan with no co-signer.
Aisha G
Brampton, ON
A card I could actually use.
After a job loss, two credit repair companies charged me hundreds and did nothing. A coworker mentioned Earna — no fees, no fine print, just a card that worked. Twenty months later, my own bank approved me for a regular Visa.
Marcus T.
Calgary, AB
Limit went up automatically.
Six months on time and I got a $100 bump without lifting a finger. Hit the next milestone and I'll be at $1,500.
Daniel F.
Edmonton, AB
SmartPay saved my streak.
Hectic week, almost missed a Payment. The app caught it. Streak intact.
Rami K.
Ottawa, QC
I can sign things alone now.
After my divorce, I was invisible on paper; three landlords turned me down. Earna approved me in four minutes with no co-signer. Eighteen months later, I'm signing my own lease.
Melanie R.
Brampton, ON
+87 points in 6 months.
I came out of a rough patch with a 540 score. I used Earna for groceries, paid in full every month, and watched my Equifax score climb. It works if you stay consistent
Stéphanie Y.
Calgary, AB
After bankruptcy, a real chance.
Three years post-discharge and every "second chance" card on the market still wanted a $500 deposit I didn't have. I applied to Earna on a whim, expected another rejection, and got an unsecured Visa instead. It's the first card in years that actually feels like mine and not a glorified prepaid.
Jonathan R.
Calgary, AB
My first real credit history.
I'm 22 and Earna is my first card. They report to Equifax and TransUnion every month, so I'm not waiting until 30 to have a score that means something.
Simon E.
Brampton, ON
Share your stories with us
Your story matters here. Whether it's a first milestone or a major turnaround, tell us how you're building your financial wellness.
#FreedomWithEarna
Build credit.
Build confidence.
Build a life.
+90
Points in 6 months average credit score improvement3
78%
Customers report better financial habits
65%
Users graduate to prime credit within 12 months
What your Earna journey looks like
- Apply in 60 seconds
Fill out your online application with no impact on your credit. Instant decision, no security deposit, most credit scores accepted ; your past won't hold you back.
- Activate your card and start spending
Use your virtual card the moment you're approved while your physical card ships. Tap-to-pay, online purchases, ATM withdrawals ; accepted worldwide wherever Visa works.
- Build your credit, month after month
Your payments are reported to Equifax and TransUnion every month for free. Track your score in real time inside the app and watch your everyday habits turn into real credit history.3
- Unlock Milestones and rewards
Every 6 months of on-time payments: +$100 credit limit. Every year: -1% interest rate. Plus up to $1,000 in cashback, perks, and partner discounts.5
What your Earna journey looks like
Apply in 60 seconds
Fill out your online application with no impact on your credit. Instant decision, no security deposit, most credit scores accepted ; your past won't hold you back.
Activate your card and start spending
Use your virtual card the moment you're approved while your physical card ships. Tap-to-pay, online purchases, ATM withdrawals ; accepted worldwide wherever Visa works.
Build your credit, month after month
Your payments are reported to Equifax and TransUnion every month for free. Track your score in real time inside the app and watch your everyday habits turn into real credit history.3
Unlock Milestones and rewards
Every 6 months of on-time payments: +$100 credit limit. Every year: -1% interest rate. Plus up to $1,000 in cashback, perks, and partner discounts.5
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?
Is there a minimum credit score required to apply?
What are the fees associated with the Earna card?
How can I manage my card and payments using the mobile app?
What is Zero Liability Fraud Protection, and how does it work?
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.