Experience Access, Benefits & Opportunity — All in One Membership
Join the Consumers Benefit Association (CBA) and unlock over 600,000+ vendor benefits, premium support options, and a unique income opportunity through our Step-Up Matrix (SUM) compensation system.
What is the Consumers Benefit Association?
Founded in 1985 and reorganized in 1987, CBA is a Mutual Benefit Association that offers members access to nationwide benefits, reward opportunities, and an advanced referral system. We operate with no owners, managed by Hilltop 360 LLC, and powered by a unique membership model built to help individuals and businesses thrive.
CBA combines:
- Modern membership technology
- Vendor access
- Premium support levels
- A structured advertising/sponsorship compensation model
1.
Activate Your Membership
Create your account, upload your verification photo, and receive your CBA QR Identification Code.
2..
Enjoy 30 Days of Full Access
You immediately receive access to all benefits, perks, and vendor networks.
No dues are collected for the first 30 days — review everything risk-free.
3...
Continue & Unlock More
After 30 days, your base membership due of $12/month begins. You may choose to activate Builder or Premium Vendor membership tiers for more benefits or income opportunities.
Membership Options & Benefits
Explore the variety of membership options available to suit your personal or business needs. Whether you’re just getting started with our Base Membership or want to unlock advanced benefits and income opportunities, CBA offers flexible options to help you maximize your membership. See the breakdown below to find the perfect plan for you!
Base Membership
$12 month
Ideal for individuals or businesses looking to get started with essential access to CBA benefits.
- Access to 600,000+ vendors
- Premium Vendor Access
- Digital QR ID
- Member portal access for easy management
- Ability to refer members and earn income
- Premium Vendor Access, Perks, and discounts
Builder & Premium Vendor Tiers
Unlock advanced benefits, greater earning potential, and exclusive marketing tools to help you grow. As you advance through the levels, you’ll gain access to new perks, resources, and additional support from CBA and Hilltop COOP. View Full Level Breakdown
600,000+ Vendor Locations
From brick-and-mortar stores to online brands — enjoy discounts, deals, and exclusive savings.
Premium Perks & Benefit Packages
Every level adds new resources, tools, and support systems to help you grow personally or professionally.
Income Opportunity
Earn by sponsoring new members and participating in the Step-Up Matrix (SUM).
30-Day Review Period
Experience everything before your first due is collected — no risk, full access.
Unlock Your Earning Potential
CBA provides two unique earning pathways designed to reward your efforts and engagement:
Sponsorship Compensation
Invite new members and receive monthly compensation for each activation.Step-Up Matrix (SUM)
Administered by Premium Vendors. A performance-driven system that rewards you for:Active Participation
Sponsorship and Referrals
Progression through License Levels
Each License Agreement unlocks deeper participation in the SUM program, providing more opportunities for growth and reward.
Why Members Love CBA
- 30-day risk-free activation
- Huge vendor access network
- Optional earning programs
- Multiple support levels
- Professional management through Hilltop 360 LLC
- Designed for all age groups (youth, adults, seniors)
- Modern technology (QR identity)
Ready to Join CBA?
Experience benefits, access, savings, and opportunities — all in one place.