SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Never miss a payment with SmartPay Sync
Set it once, and let our AI-powered system handle your payments. SmartPay learns your income pattern to create a seamless payment schedule, ensuring you stay on track without the stress.
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Why SmartPay Sync
works for you
Payments that fit your life — not the other way around.
Never Miss
a Payment
Automatic payments sync with your schedule, so due dates don't catch you off guard.
Say goodbye
to late fees
Smart scheduling means your bill is paid before the deadline — every time.
Build healthier
credit score
On-time payments are reported to Equifax and TransUnion, helping your score grow.³
Cashback 0.5%
for paying in full
Pay your statement balance in full and earn 0.5% Cashback — automatically.⁵
Build a stronger
credit score
SmartPay Sync helps you reach good credit status faster. By analyzing your income and aligning payments with your pay schedule, it ensures you never miss a due date — boosting the most critical factor in your credit score.³
Smart Pay Sync helps you
build good
credit — faster
Smart payment experience with SmartPay Sync
SmartPay Sync
Automate smart payments to avoid late fees
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
PayDay Scan™
Detect paydays to align due dates
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
SmartPay Sync
Automate smart payments to avoid late fees
PayDay Scan™
Detect paydays to align due dates
Smart payment experience with SmartPay Sync
Payments that work around your payday
SmartPay Sync learns when you get paid and schedules your payments automatically — so your bill is always covered when you have the funds.
Smart payment options designed for your
success
While most credit cards only require a minimum payment of 3%, we believe in helping you build stronger financial habits. That's why we've designed payment options that encourage responsible credit management:
20% Minimum payment
of statement balance
- Lowest payment amount
- Build credit slowly
- More time to repay
50% Mid-range payment
of statement balance
- Balanced option
- Build credit steadily
- Moderate interest savings
75% Smart payment
of statement balance
- Keep ~25% utilization on your card
- Build credit quickly
- Friendly with credit bureaus
100% Full Payment
of statement balance
- 0% interest charges
- Perfect for credit score
- Best option for credit bureaus
- 0.5% Cashback bonus for full payment
How SmartPay Sync compares to traditional payments
Schedule setting
Income-based smart scheduling
Payment options
Multiple flexible options
Income pattern analysis
Advanced AI adaptation
Full balance payment reward
Extra 0.5% cashback
Schedule changes
Extra 0.5% cashback
Overdraft protection
Smart scheduling to avoid overdrafts
Payment notifications
Comprehensive smart alerts
Custom scheduling
Full customization available
Earna SmartPay vs Traditional payment
Schedule setting
Income-based smart scheduling
Fixed dates only
Payment options
Multiple flexible options
Usually minimum payment only
Income pattern analysis
Advanced AI adaptation
None
Full balance payment reward
Extra 0.5% cashback
None
Schedule changes
Extra 0.5% cashback
Manual updates required
Overdraft protection
Smart scheduling to avoid overdrafts
Basic or none
Payment notifications
Comprehensive smart alerts
Basic confirmation
Custom scheduling
Full customization available
Limited or none
Earna SmartPay vs Traditional payment
- Schedule settingIncome-based smart scheduling Fixed dates only
- Payment optionsMultiple flexible options Usually minimum payment only
- Income pattern analysisAdvanced AI adaptation None
- Full balance payment rewardExtra 0.5% cashback None
- Schedule changesExtra 0.5% cashback Manual updates required
- Overdraft protectionSmart scheduling to avoid overdrafts Basic or none
- Payment notificationsComprehensive smart alerts Basic confirmation
- Custom schedulingFull customization available Limited or none
Easy setup with SmartPay
100%
Current payment
Avoid interest & show excellent
management
Choose your payment
Set a percentage or pay in full for max rewards
Show more
Connect your bank
Securely link & verify instantly
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Best schedule
SmartPay AI suggests the best dates, or customize your own
SmartPay
Activate & Relax
Review, activate, and let SmartPay handle the rest
Real stories from
our members
Get access to your credit
in 60 seconds
- 1
Submit online application
2 minutes to submit
- 2
Get approved
Instant decision in 60 seconds
- 3
Start spending today
Use your digital card right away
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.