When you convert $10 worth of crypto to your virtual VISA card, you get charged 3%. So you'll be charged $10.30 and have a balance of $10 on your card.
When make a purchase, you'll be charged $0.30 per transaction.
It's not bad at all considering how incredibly convenient it is. I'm super excited.
RE: Linking your HIVE account to Zypto - spend HIVE anywhere!