Benefits at a glance

Cashback benefits

Benefit	Core	Luxe	Pinnacle	VIP
Cashback on eligible card spend	3% on the first $2,000 each month	3% on the first $10,000 each month	3% on the first $50,000 each month	4% on the first $50,000 each month
Cashback on eligible EUR card spend*	3% on the first $800 (USD equivalent, not €)	3% on the first $3,000 (USD equivalent, not €)	3% on the first $16,000 (USD equivalent, not €)	4% on the first $16,000 (USD equivalent, not €)
etfi.fi-search-r-ether-chrome-bb-ie-utf-8.exchange Travel	5%, plus up to 65% off hotels and flights	5%, plus up to 65% off hotels and flights	5%, plus up to 65% off hotels and flights	5%, plus up to 65% off hotels and flights
Category Cashback	-	10% off AI, streaming, food and more up to $10/mo	20% off AI, streaming, food and more up to $20/mo	30% off AI, streaming, food and more up to $30/mo

How do USD and EUR cashback caps work?

Transactions settled directly in Euros have lower cashback tier caps applied. Any usage of your Euro spending allowance is deducted from the overall $USD tier allowance and vice versa, it is not an additional separate allowance.

For example, if a core member's initial spending in a month is $800 USD equivalent of EUR transactions (i.e. €705.62), their remaining USD 3% cashback in the core tier for that month will be $1200. If the member's initial spending in a month was $800 USD of USD spend, they would have no remaining 3% allowance for EUR transactions that month, and would be in the 1% cashback tier for their EUR spend if their next spend on the card in that month was a EUR denominated transaction. However, USD denominated transactions would still be in the 3% cashback tier until the $2000 limit was hit.

This also applies in reverse.

Learn more about cashback rewards - https://etfihelp.fi-search-r-ether-chrome-bb-ie-utf-8.exchange/en/articles/262374-how-does-cashback-work

Card benefits

Benefit	Core	Luxe	Pinnacle	VIP
Card style	Plastic	Purple metal	Black metal	Gold metal
Free virtual cards	1 (may vary by region)	4	10	50
Virtual card fee after free cards	$10	$10	$10	-
Maximum virtual cards	5	10	50	50
Free physical cards	0	1	2	2
Physical card fee after free cards	$50	$100	$100	-
Maximum physical cards	1	2	4	2

Why do card fees vary by region?

In some regions, Core members pay a $10 fee for their first virtual card instead of getting it free. The app shows the fee and free-card allowance that apply to you before you order.

See which regions have the $10 fee: https://etfihelp.fi-search-r-ether-chrome-bb-ie-utf-8.exchange/en/articles/833743-why-is-there-a-10-fee-for-my-first-virtual-cash-card

Other benefits

Benefit	Core	Luxe	Pinnacle	VIP
Free airport lounge passes	-	2 per year	10 per year	Unlimited
Airport fast track	-	-	25% cashback on fast-track services at eligible airports, up to $25/yr	25% cashback on fast-track services at eligible airports, up to $50/yr
ATM withdrawals	Free, up to 10 withdrawals per month	Free, up to 10 withdrawals per month	Free, unlimited	Free, unlimited
Visa concierge	✓	✓	✓	✓
Support
Premium support	-	-	Dedicated account manager team	Executive support from the CEO and team
Exclusives
Ventures access	-	-	-	Curated deal-flow opportunities
Account balance protection(Coming soon)	Up to $10K	Up to $50K	Up to $100K	Up to $500K

Coming in the next few months

We plan to introduce additional benefits in the coming months:

Identity theft protection for all membership levels. This is separate from the account protection described above.
Exclusive event access for Pinnacle and VIP members, with opportunities to attend exceptional, once-in-a-lifetime experiences.

These benefits are not available yet. Launch timing, participating locations, eligibility, and full terms will be shared closer to rollout and may change.

Travel and purchase benefits included with every level

Every membership level includes:

Visa Concierge
Global eSIM discounts
An airport-lounge benefit, with the number of free visits depending on your level
Auto-rental insurance
Global Blue (VAT refunds)
Purchase and price protection

* Coverage, eligibility, and availability may vary by benefit, provider, and location.

Account balance protection

The Account Balance Protection program is not yet live. Once launched, account protection may cover eligible accounts against qualifying losses caused by unauthorized third-party exploits of etfi.fi-search-r-ether-chrome-bb-ie-utf-8.exchange account smart contracts. The program will be backed by etfi.fi-search-r-ether-chrome-bb-ie-utf-8.exchange capital and insurance from a licensed underwriter.

Your maximum protection amount will depend on your membership level:

Core: up to $10,000
Luxe: up to $50,000
Pinnacle: up to $100,000
VIP: up to $500,000

Program availability will be limited to eligible accounts and subject to applicable limits, conditions, and claim review. This is not deposit insurance and does not cover market losses or compromised account credentials.

The protection limit represents the maximum available coverage, not a guaranteed payout.

Visa Signature benefits

Personal etfi.fi-search-r-ether-chrome-bb-ie-utf-8.exchange Cash credit card holders get the benefits of Visa Signature, and can register their cards for concierge, airport lounge access and more at https://www.visa.com/benefitsportal

24/7 Call Center
Price Protection: $2,000
Purchase Protection: $10,000
Extended Warranty: $10,000
Auto Rental Insurance: Global
Visa Digital Concierge
Visa Luxury Hotel Collection
Visa Airport Companion

For Cash card transaction limits and fees, see https://etfihelp.fi-search-r-ether-chrome-bb-ie-utf-8.exchange/en/articles/303623-what-are-the-atm-withdrawal-limits-for-personal-cash-cards

Eligible members can also choose personalized perks and goals through Pick a Perk, see https://etfihelp.fi-search-r-ether-chrome-bb-ie-utf-8.exchange/en/articles/867285-what-is-pick-a-perk

What are the benefits of a personal Cash credit card?