Pulsar Pro guide
Pulsar Pro vs Free
Pulsar Free covers the essentials with no monthly subscription fee. Pulsar Pro is the optional premium plan for customers who want higher rewards, selected merchant bonuses, partner offers, and a 0% Pulsar swap fee.
Last updated August 24, 2026
Free vs Pro comparison
Both plans use the same base point value. Pro adds a monthly subscription and enhanced benefits for eligible customers.
| Feature | Free | Pro |
|---|---|---|
| Monthly price | $0 | $9.99 |
| Card rewards | Standard eligible rewards | 2% on the first $1,000, then 0.5% |
| Selected merchants | Standard rate | 2× points at participating merchants |
| Pulsar swap fee | Shown in your quote | 0% Pulsar fee |
| Partner offers | Standard availability | Pro partner discounts |
| Points value | 100 points = $1 before claim adjustments | 100 points = $1 before claim adjustments |
Pro removes only Pulsar's own swap fee. Network fees, gas, spread, and third-party provider costs may still apply. Annual Pro pricing is not included because it has not been finalized.
How Pulsar Points are earned
Pulsar Points represent earned cashback. The current base conversion is $1 of cashback value = 100 points.
Pro cashback tiers
| Eligible monthly spend | Cashback rate | Points earned per $100 |
|---|---|---|
| First $1,000 | 2% | 200 points |
| Spend above $1,000 | 0.5% | 50 points |
Calculation examples
$500 of eligible spend
$500 × 2% = $10 cashback value = 1,000 points.
$1,200 of eligible spend
($1,000 × 2%) + ($200 × 0.5%) = $21 cashback value = 2,100 points.
$20 at a selected 2× merchant
The purchase counts as $40 of tier spend. At the 2% tier, that earns $0.80 of cashback value, or 80 points. The card charge remains $20.
How points are claimed
The number of points needed for each $1 depends on how much of your available point balance you claim at once.
| Balance claimed | Points required | Claim value |
|---|---|---|
| 25% | 100 points | $1 |
| 50% | 100 points | $1 |
| 75% | 112 points | $1 |
| 100% | 125 points | $1 |
Important reward rules
- Only eligible transactions and merchant categories earn rewards.
- Transactions crossing a tier boundary are split between the two rates.
- Refunds and reversals remove the corresponding reward.
- Foreign-currency rewards use the stored settlement exchange rate.
- Pro rewards currently have a $58.75 cashback cap per monthly reward period.
- Rewards reset at the monthly boundary.
- Selected merchant boosts remain subject to the monthly reward cap.
Frequently asked questions
Is Pulsar Pro the premium plan?
Yes. Pulsar Pro is Pulsar Money's optional premium subscription. The standard Pulsar plan remains free.
How are Pulsar Pro points calculated?
Eligible spend earns 2% cashback on the first $1,000 in a monthly reward period and 0.5% after that, up to the current monthly cap. Cashback converts at 100 points per $1.
What happens when a purchase crosses a reward tier?
The purchase is split. The portion that remains in the first tier earns 2%, and the amount above the tier boundary earns 0.5%.
Do 2× merchant points double my card charge?
No. A selected merchant purchase counts as twice its amount only in the reward calculation. A $20 purchase is calculated as $40 of tier spend, while the card charge remains $20.
For other charges and limits, see the Pulsar pricing and fees page.