- Rewards & conditions
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2% base · 3% when qualified
Only $200–$600 spend/month earns asset rewards; 3% requires new-user or spending eligibility.
- Foreign currency
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0.05%–0.2% conversion
Non-USD adds 1.7% at the Visa exchange rate.
- Issuance
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Free virtual card
Available APAC markets only; physical card costs extra.
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