Wooooo Let's see if we can set this straight. When you get your sign and sail card, you may put as much or as little on it. There is no set amount. What we do is use a credit card. Anything going on our sail and sign is taken from our credit card. If you want to use cash, you can put that on your account, and when it starts getting low, they will contact you, and you can put more on. What amount you need depends on your spending habits.