# Card Benefits & Fees ## 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 %} *** ## Cashback | Card | Cashback | Monthly Cap | | ------------ | -------: | ----------: | | Based Orange | — | — | | HYPE | 2% | $20 | | Based Gold | 4% | $100 | *** ## 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 ### 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, email ** within 30 days of the spend date** with: * 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. ### 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 at the start of each month, covering the previous cycle. For example, an **Apr 1** payout covers spending from **Feb 15 – Mar 15**. These will be credited to the staking balance of the email wallet associated with the card. The staking balance can be found on the 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 $BASED](/docs/based/staking.md) page for more details. *** ## Fee Schedule Card tiers no longer have signup fees or annual fees. Qualification is based on [$BASED lockup](/docs/based/staking.md). See the [Card Types](/docs/card/card-types.md) page for a detailed comparison. | Fee | Amount | | ----------------------------- | ------ | | Deposit fees | None | | Smart convert: crypto to fiat | 1% | | Smart convert: fiat to fiat | 0.5% | | Swap fee: crypto to fiat | 1% | | Swap fee: fiat to fiat | 0.5% | ### Foreign Currency Markup by Tier | Card | FX Markup | | ------------ | --------- | | Based Orange | 2.5% | | HYPE | 1.5% | | Based Gold | 0% | {% hint style="info" %} **Smart convert** applies automatically when your card balance asset falls below the required transaction amount. **Swap fees** apply within the card UI and do not apply to the self-custodial Polygon wallet. **Pro-tip:** To avoid the 1% Smart Convert fee, keep a balance of USD stablecoins (USDC, USDT, XSGD) in your card account — stablecoins are always spent first. **Minimum Spending Clause:** If a card remains inactive for **6 months**, a maintenance fee of **$5 per month** will be charged until the deposit reaches $0, at which point the card will be terminated. Foreign currency rates are quoted by Visa. {% endhint %} *** {% 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 %} --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://basedapp.gitbook.io/docs/card/card-benefits-and-fees.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.