Credit card benefits

We're working hard to launch the Connect Financial customer portal. In the meantime, you can stake CNFI, join the waitlist and stay up to date.

When setting up your account, you will be invited to stake CNFI tokens and join a Membership tier. Your membership tier gives you benefits across your entire account, including some benefits that relate to your credit cards.

When you also sign up for a credit card, you receive additional benefits depending on your card tier. The important thing to remember is that account level benefits apply over all of your cards and wallets, while credit card benefits are applied to each individual card on your account.

Here's how it works:

MEMBERSHIP TIER: CRYPTO CREDIT FEES AND BENEFITS

Note; some credit card benefits apply to the card level. See card level fees and benefits for more information on card tiers.

Membership tier	BASIC	SILVER	GOLD	PLATINUM	BLACK
Eligible for $0 card tier ¹
Credit interest rate (APR) ²	14.9%	12.9%	10.9%	8.9%	7.9%
Cash-back on eligible purchases ³	0%	Up to 2%	Up to 3%	Up to 4%	Up to 5%
Entertainment credit ⁴	$0	$0	$15	$50	$100

¹ Membership tiers allow the customer to sign up for one credit card at the same or lower tier for $0. Annual card fees and shipping fees apply. Additional card require additional CNFI tokens to be staked.

² Credit interest rates apply across the entire account, regardless of card tier.

³ Account wide, some purchase types are excluded.

⁴ Select services.

Compare a complete list of fees and benefits for each account tier.

Card level benefits

Card tier	BASIC	SILVER	GOLD	PLATINUM	BLACK
sCNFI¹ required	0	5000	20000	100,000	200,000
Monthly ATM Withdraw limits without fees	$0	$2,000	$5,000	$10,000	$20,000
Transaction insurance	$250	$1,000	$2,500	$5,000	$5,000
Metal cards
Concierge
Hotel perks
Lounge pass

Compare a complete list of fees and benefits for each account tier.

How does the entertainment credit work?

As a benefit of your membership tier, you are eligible for an account wide monthly entertainment credit for subscriptions purchased with your credit card.

Membership tier	BASIC	SILVER	GOLD	PLATINUM	BLACK
Entertainment credit ⁴	$0/mo	$0/mo	$15/mo	$50/mo	$100/mo

At launch, the following providers are eligible for the entertainment credit. Check back often as we add more subscription services in the future:

• Amazon prime

• Netflix

• Spotify

• Hulu

Entertainment credits are automatically applied to your account each month against your primary card.

How does the cash-back credit work?

When you make purchases on any of your credit cards, you receive cash-back in the form of CNFI tokens for eligible purchases.

Membership tier	BASIC	SILVER	GOLD	PLATINUM	BLACK
Cash-back on eligible purchases ³	0%	Up to 2%	Up to 3%	Up to 4%	Up to 5%

MCC Codes ineligible for cash-back

Cash-back eligibility is based on the MCC code of the transaction. The following MCC

codes are not eligible to receive cash-back rewards: