> For the complete documentation index, see [llms.txt](https://basedapp.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://basedapp.gitbook.io/docs/card/card-benefits-and-fees.md).
# Card Benefits
## Benefits
{% columns %}
{% column %}
**Instant Crypto Spending**
Tap your card and your crypto converts to fiat automatically. No pre-funding, no off-ramp waiting periods. Transactions settle in real time.
**Zero Deposit Fees**
Deposit USDT, USDC, and other supported stablecoins with no added fees. What you deposit is what you spend.
**Multi-Network Deposits**
Fund your card from Solana, Arbitrum, Polygon, or Hyperliquid. Use whichever chain your funds are already on.
{% endcolumn %}
{% column %}
**Global Acceptance**
Accepted at 150M+ Visa merchants across 160+ countries, both online and in-store.
**Digital Wallet Ready**
Add your Based card to Apple Pay or Google Pay the moment you receive it. Tap to pay from your phone, watch, or tablet.
**Competitive FX Rates**
Based Orange: 2.5%, HYPE: 1.5%, Based Gold: 0% markup above Visa's exchange rates.
{% endcolumn %}
{% endcolumns %}
***
## Total Value Summary
Maximum monthly value from cashback and rebates (at full monthly caps):
| Card | Cashback | Entertainment | AI Rebates | Monthly Total | Annual Tota |
|---|
| Based Orange | - | - | - | - | - |
| Hype | $20 | 0 | $10 | $30 | $360 |
| Based Gold | $100 | $20 | $100 | $220 | $2,640 |
## Cashback
| Card | Cashback | Monthly Cap |
| ------------ | -------: | ----------: |
| Based Orange | — | — |
| HYPE | 2% | $20 |
| Based Gold | 4% | $100 |
* To view staking requirements, view [here](/docs/based/staking.md).
* A minimum of $5 is required for cashback each cycle.
***
## Rebates
### Entertainment Rebates (Based Gold only)
Based Gold holders receive up to **$20/month** in rebates for Netflix, Spotify, and YouTube subscriptions.
### AI Subscription Rebates
Rebates on Claude and ChatGPT subscriptions:
* **HYPE:** up to $10/month
* **Based Gold:** up to $100/month
Rebates do not stack across cards and are only up to the maximum tier.
### Third-Party Payment Claims
Some subscriptions (e.g., Spotify) restrict payment methods based on your account region or plan, which can prevent direct card use. If you pay through a third-party service like PayPal with your Based card set as the funding source, the merchant won't appear as Netflix, Spotify, YouTube, Claude, or ChatGPT on your statement — so the rebate isn't applied automatically.
To claim manually, submit your claim through the [**manual claim form**](https://rebate-submission.based.page) within **30 days of the spend date**, including:
* Last 4 digits of your Based card
* Transaction date and amount
* Subscription merchant (Netflix, Spotify, YouTube, Claude, or ChatGPT)
* Proof of payment from the third-party service (e.g., PayPal receipt) showing the subscription charge
Approved claims are paid out on the standard schedule and count toward your monthly rebate cap.
Submit a manual rebate claim
### Airport Lounge Access (Based Gold only)
Based Gold holders receive **4 airport lounge visits per year**. Details on how to access your lounge visits will be sent via email after successful card application and issuance.
{% hint style="info" %}
**Payout timeline:** Cashback and rebates are paid out in $BASED. Cashback is paid monthly, and rebates are paid out on 15th of each month, covering the previous cycle. For example, an **Apr 15** payout covers spending from **Mar 1 – Mar 31**. These will be credited to the staking balance of the email wallet associated with the card. Staking balance can be found on Based Foundation Website: .
{% endhint %}
***
## Total Value Summary
Maximum monthly value from cashback and rebates (at full monthly caps):
| | | | | |
|---|
| Card | Cashback | Entertainment | AI Rebates | Monthly Total | Annual Total |
| Based Orange | — | — | — | — | — |
| HYPE | $20 | — | $10 | $30 | $360 |
| Based Gold | $100 | $20 | $100 | $220 | $2,640 |
Based Gold holders also receive **4 airport lounge visits per year**.
***
## Unstaking
{% hint style="warning" %}
All card rewards and benefits (cashback, fee discounts, entertainment rebates, etc.) will cease once unstaking is initiated. You can still use your Based card to spend as normal — only the rewards and benefits stop.
{% endhint %}
See the [Staking $BASED](/docs/based/staking.md) page for more details.
***
{% hint style="info" %}
**Disclaimer:** All card benefits, cashback rates, rebates, caps, fees, FX markups, promotional offers, and other program terms described on this page are provided for informational purposes only and are subject to change at any time without prior notice. Based reserves the right to modify, suspend, or discontinue any benefit, reward, fee schedule, or program at its sole discretion. Participation is subject to applicable program terms and local laws.
{% endhint %}