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.
The following table summarises the main fees and benefits for the account tiers, however some items are explained in more detail in relevant articles.
Membership tier benefits
MEMBERSHIP LEVEL & STAKING REQUIREMENTS
 |  |  |  |  | |
MEMBERSHIP TIER | BASIC | SILVER | GOLD | PLATINUM | BLACK |
Staked CNFI tokens (USD equivalent) | -- | $1,500 | $7,500 | $50,000 | $250,000 |
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.
CRYPTO EARN BENEFITS
 |  |  |  |  | |
MEMBERSHIP TIER | BASIC | SILVER | GOLD | PLATINUM | BLACK |
Yield - Crypto savings (APY) | 3% | Up to 5% | Up to 5.25% | Up to 5.75% | Up to 6.25% |
Yield - Stable coins (APY) | Up to 6% | Up to 8% | Up to 9% | Up to 10% | Up to 12% |
Yield - Fiat (APY) | Up to 6% | Up to 8% | Up to 9% | Up to 10% | Up to 12% |
All yields are projected and subject to change.
BUY/SELL/TRADE
| | | | | |
Account tier | BASIC | SILVER | GOLD | PLATINUM | BLACK |
Buy fee (fiat to crypto) | 1.50% | 1.30% | 1% | 0.75% | 0.50% |
Sell fee (crypto to fiat) | 1.50% | 1.30% | 1% | 0.75% | 0.50% |
Trade fee (crypto to crypto) | 1.50% | 1.30% | 1% | 0.75% | 0.50% |
Note: Every effort is taken to keep this summary up to date, however use this summary as a guide only. Many rates shown are dynamic and may change frequently. Always rely on the rates shown at point of action within your account.
Card level benefits
CREDIT CARD TIER FEES AND BENEFITS
Note; some items related to credit cards including interest rate, entertainment credits and cash-back relate to the membership tier.
| | | | | |
Card tier | BASIC | SILVER | GOLD | PLATINUM | BLACK |
Minimum credit limit | $500 | $500 | $1,000 | $5,000 | $20,000 |
Maximum credit limit | $5,000 | $20,000 | $50,000 | $250,000 | $1,000,000 |
Metal cards |  | | |  |  |
Concierge | | | | | |
Hotel perks | | | |  | |
Lounge pass | | | | |  |
Annual fee | $129 | $89 | $49 | $0 | $0 |
Initial card fee + shipping | $49 | $29 | $0 | $0 | $0 |
Card Replacement fee¹ | $50 | $50 | $50 | $0 / $50 | $0 / $50 |
Late payment fee² | $29 | $29 | $29 | $0 / $29 | $0 / $29 |
CNFI staking requirement for additional cards | $0 | $375 | $1,875 | $12,500 | $62,500 |
Credit LTV (crypto) | up to 50% | up to 50% | up to 50% | up to 50% | up to 50% |
Credit LTV (stablecoin) | up to 100% | up to 100% | up to 100% | up to 100% | up to 100% |
Credit LTV (fiat) | up to 100% | up to 100% | up to 100% | up to 100% | up to 100% |
Monthly fee-free ATM withdrawals | $0 | $500 | $1,000 | $2,500 | $5,000 |
ATM fee after fee-free withdrawals | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% |
Transaction insurance | $250 | $1,000 | $2,500 | $5,000 | $5,000 |