I was stuck in a payday loan cycle for two years. Earna's autopay feature and financial education helped me build better habits 🤑
As a newcomer to Canada, I struggled to build credit. Earna not only gave me my first credit card but taught me how the Canadian credit system works. Within 6 months, I had built enough credit history to feel financially confident
Earna customer reviews
Every credit journey is unique, and Earna celebrates yours. Our community is joined by the determination to achieve financial freedom and build stronger futures.
#FreedomWithEarna
Use the hashtag, to celebrate your achievement!
Quick Approval for Everyone
Traditional banks may have said no, but Earna says yes. Our innovative approach means you can apply, get approved, and start using your card in minutes. Apply online and get an instant decision – no credit history needed, no branch visits required⁴
- Online Approval
- No credit history required
- Instant digital card access
Read stories of financial transformation with Earna
Our customers aren't just building credit – they're transforming their financial futures. Here's how Earna is helping Canadians take control of their finances.
From rejection to success
After years of being denied credit, Earna gave me a chance. Now, 8 months later, my credit score has improved by 120 points, and I just got approved for my first mortgage. This card was the first step in my journey to homeownership
Maria K. Toronto
Breaking the cycle
I was stuck in a payday loan cycle for two years. Earna’s autopay feature and financial education helped me build better habits. I’m now debt-free and saving for my future. It’s not just a credit card – it’s a life-changer
James L. Vancouver
Building credit from scratch
As a newcomer to Canada, I struggled to build credit. Earna not only gave me my first credit card but taught me how the Canadian credit system works. Within 6 months, I had built enough credit history to feel financially confident
Ahmed R. Toronto
Smart financial decisions
The rewards for good financial behavior motivated me to make better choices. I learned to budget, started paying my balance in full, and even completed all the financial education modules. My relationship with money has completely changed
Maria K. Toronto
+90
Online Approval78%
No credit history required65%
Instant digital card access
Banking that believes in you
We're rewriting the rules of banking with a simple belief: your past shouldn't limit your future. With Earna, access premium metal benefits and rewards – because everyone deserves a chance to grow.
- 18+ years old
- Live anywhere in Canada
- Canadian bank account
- $800+ monthly income (any source)
- No credit score required
- No security deposit needed
Real credit building that works
Watch your credit score grow with a genuine unsecured credit card. Our smart features help you build credit faster and more effectively³
My credit score jumped 85 points in just 3 months. Autopay is a lifesaver!
James L
Being able to track my credit score for free has been incredibly helpful in understanding my financial progress
Emma T
Finally, a card that reports to credit bureaus as a real credit card, not some secured product
Robert P
This is a game-changer! Finally, a credit card company that understands what people actually need. Brilliant innovation!
David K
- Real unsecured credit card
- Smart Autopay AI technology
- Free Equifax credit score access
Security you can trust
Your financial security is our top priority. AutoPay AI features
- Bank-level 256-bit encryption
- Protected bank connections
- Regular security audits
- Transactions protected by Visa
- 24/7 fraud monitoring
Earn more than just Cashback
WEarna rewards you for smart financial decisions. Get Cashback on some purchases, bonus rewards for paying in full, and earn real money while learning about finance⁵.
Love getting rewarded for paying my balance in full. That extra 0.5% adds up!
Lisa M
The financial education challenges are great - I’ve earned over $50 just by learning!
Alex K
Finally a card that rewards good financial habits, not just spending.
Jennifer B
The combination of regular cashback and balance payment rewards is unbeatable.
Mark D
- Cashback on payments
- Financial education
- Daily challenges
Banking that believes in you
We're rewriting the rules of banking with a simple belief: your past shouldn't limit your future. With Earna, access premium metal benefits and rewards – because everyone deserves a chance to grow.
- 18+ years old
- Live anywhere in Canada
- Canadian bank account
- $800+ monthly income (any source)
- No credit score required
- No security deposit needed
FAQ
Can’t find what you’re looking for?
Contact us here:
[email protected]
Quick answers to questions you may have
How do I apply for an Earna card?
How do I create an Earna account?
Visit www.earna.com and click “Sign Up.” Enter your email address, create a secure password, and provide basic personal details like your full name and date of birth. Follow the email verification link to activate your account. You’ll need an active account before applying for an Earna card.What information do I need to sign up?
You’ll need a valid email address, a password (at least 12 characters with letters, numbers, and symbols), and personal details such as your full name, date of birth, and phone number. For card applications, additional financial information (e.g., income, employment status) may be required during verification.Can I have multiple Earna accounts?
No, Earna allows only one account per user to ensure security and compliance. Multiple accounts may lead to suspension. If you’re applying for a card, use your primary account. Contact [email protected] for assistance with account issues.How do I enable two-factor authentication?
To enhance security for your account and card application, go to Account Settings > Security, select “Enable 2FA,” and link an authenticator app (e.g., Google Authenticator) or your phone number for SMS codes. Follow the prompts to verify and activate 2FA.How can I change my login email?
In Account Settings > Profile, select “Change Email.” Enter your new email address, verify it via a confirmation link sent to the new email, and authenticate with your password or 2FA code. Ensure your email is updated before applying for the card to receive application updates.Are there fees for using Earna?
Can I use Earna for online purchases?
How long does it take to get approved?
How do I earn rewards on Earna?
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.