ether.fi membership has four levels: Core, Luxe, Pinnacle, and VIP. Each level offers a different combination of cashback, cards, travel benefits, service, and account protection.
All benefits are subject to eligibility, availability, limits, and the applicable terms.
Benefits at a glance
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 |
Eligible subscriptions | — | 10% off, up to $10 per month | 20% off, up to $20 per month | 30% off up to $40 per month |
ether.fi Travel | 5% cashback, plus up to 65% off eligible hotels and flights | 5% cashback, plus up to 65% off eligible hotels and flights | 5% cashback, plus up to 65% off eligible hotels and flights | 5% cashback, plus up to 65% off eligible hotels and flights |
Airport lounges | Lounge access | 2 free premium-lounge passes* | Unlimited premium-lounge passes* | Unlimited premium-lounge passes* |
Virtual cards | 1 free | 2 free | 10 free | Unlimited |
Physical card | Free; shipping fee applies | Metal card; shipping included | Metal card; express shipping included | Gold metal card; express shipping included |
ATM withdrawals | Available | Available | Free, up to 10 withdrawals per month | Free, up to 10 withdrawals per month |
Premium support | — | — | Dedicated account manager team | Executive support from the CEO and team |
Ventures access | — | — | — | Curated deal-flow opportunities |
Account protection | 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:
Airport lounge passes for Luxe, Pinnacle and VIP levels will be rolling out to members in September.
Identity theft protection for all membership levels. This is separate from the account protection described above.
Airport Fast-Track at eligible airports for qualifying higher-tier members.
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
A global eSIM
An airport-lounge benefit, with the number of free visits depending on your level
Flight and medical insurance
Baggage delay and loss protection
Auto-rental insurance
Purchase and price protection
Coverage, eligibility, and availability may vary by benefit, provider, and location.
Account balance protection
Account protection may cover eligible accounts against qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts. The program is backed by ether.fi and insured through a licensed underwriter.
Your maximum protection amount depends on your membership level:
Core: up to $10,000
Luxe: up to $50,000
Pinnacle: up to $100,000
VIP: up to $500,000
Account protection is subject to program eligibility, limits, conditions, and claim review. It is not deposit insurance and does not cover market losses or losses caused by compromised account credentials. The protection limit is the maximum available coverage, not a guaranteed payout.