> 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/~/revisions/NAKTAcMV9VJt5myfN5mQ/card/card-benefits-and-fees.md).

# 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 70M+ 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 %}

***

## Fee Schedule

Card tiers no longer have signup fees or annual fees. Qualification is based on $BASED lockup. See the [Card Types](/docs/~/revisions/NAKTAcMV9VJt5myfN5mQ/card/card-types.md) page for foreign currency markup by tier.

| 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.

**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. The Based team reserves the right to update card fees from time to time.
{% endhint %}