Why purchase a Membership upgrade?
Why wait to climb the points ladder when you can unlock everything today?
Purchase your upgrade and start enjoying your new level immediately. No waiting, no grinding — just the benefits, right now.
What you unlock
Bigger cashback, longer runway. Higher monthly 3% cashback caps as you move up from Core to Pinnacle.
Category Cashback. Save on AI tools, streaming, food and more every month — up to $20/mo at Pinnacle.
Free ATM withdrawals. Up to 10 free withdrawals per month at Pinnacle.
Travel, upgraded. Up to 65% off hotels and flights through ether.fi Travel.
The card that matches the level. Premium metal designs at Luxe and above.
Priority support and account protection. Service that matches your level.
Why members upgrade
If you spend more than a couple thousand a month, a higher cashback cap alone can cover the upgrade cost — the perks are on top. One year of benefits, one purchase, instant access. VIP remains an earn-only tier reached through points.
Purchasing doesn't touch the points you've already earned — you keep building toward future levels too.
Ready to level up?
Compare all levels side by side in Membership level benefits, then unlock yours in the app. Step-by-step purchase instructions are in How do I purchase a Membership level?
Price, availability, and terms are shown in the app before you confirm. Benefits are subject to eligibility, availability, limits, and the applicable terms.