One membership.
Every Coconut.
Membership is how you unlock the full Coconut ecosystem, cash back at retailers you already love, travel perks worth packing for, and everyday savings on the things you buy from us.
Join
Every Coconut account starts at Silver. No fee, no card to activate.
Earn
Points stack across Shop, Restaurant, Travel, Wireless and Pay, one balance.
Climb
Annual spend lifts your tier. Status holds for a full year after you reach it.
Redeem
Cash back, gift cards, travel credits, your choice, every time.
Pick a level.
| Benefit | Silver | Gold | Platinum | Titanium |
|---|---|---|---|---|
| Earn rate | 1.5% back | 3% back | 5% back | 7% back |
| Free shipping | Standard | 2-day | 2-day | Overnight |
| Restaurant discount | — | 10% | 15% | 20% |
| Travel credit / year | — | $25 | $100 | $300 |
| Wireless data boost | — | +2 GB | +10 GB | Unlimited |
| Lounge passes | — | — | 2 / yr | Unlimited |
| Concierge | — | Chat | Priority | 24/7 dedicated |
| Gift card catalog | ✓ | ✓ + 2× bonus | ✓ + 3× bonus | ✓ + 5× bonus |
Stay, fly, repeat.
Annual travel credits, free hotel nights, suite upgrades on Coconut Travel, and lounge access for Platinum and Titanium members.
From coffee to checkout.
Cash back and bonus points at Target, Dunkin', Whole Foods, Amazon and 200+ other retailers, delivered as instant gift cards.
More for being yours.
Member pricing in Shop and Restaurant, Wireless data boosts, early drops, and bonus multipliers during member weekends.
Join free. Earn from day one.
Already a Coconut member? Open your Rewards Portal to redeem points, browse the gift card catalog, and track your tier.