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.

Select services. One credit per account, per month.

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

Card level benefits

Card tier

BASIC

SILVER

GOLD

PLATINUM

BLACK

Staked CNFI required (USD equiv)

$0

$1,500

$5,000

$50,000

$250,000

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:

MCC Code

Description

Examples

4829

Money Orders – Wire Transfer

  • Wire transfers

4900

Electric, Gas, Sanitary and Water Utilities

  • Power company bills

  • Rates

  • Water supply

  • Waste collection

5734

Computer Software Stores

  • Computer software

5947

Card Shops, Gift, Novelty, and Souvenir Shops

  • Memorabilia

  • Novelty shops

  • News agency

6012

Financial Institutions – Merchandise and Services

  • Credits, payments and funding transactions for banks & credit unions

  • Purchase of currency

  • Loan payments

  • Financial services

  • Prepaid cards

6051

Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques

  • Account funding

  • Currency purchases

  • Money orders

  • Travelers cheques

6211

Security Brokers/Dealers

  • Bond dealers,

  • Commodity dealers

  • Stock trading

  • FX brokers

  • Mutual funds

6300

Insurance Sales, Underwriting, and Premiums

  • Insurance policies

6532

Payment transaction - member financial

  • Internal identifiers for payment transactions

6540

POI funding transactions

  • Stored value cards

  • Gift cards

7372

Computer programming, systems design or data processing

  • Computer programming or system design

8999

Professional services

  • Professional services that do not have a more specific MCC code.

9311

Tax payments

  • Customs

  • Inland revenue

9399

Government services

  • Motor vehicle licensing

  • Police departments

  • Libraries, parks and recreation.

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