Character Card Deck effects

Just wondering how exactly the card deck buffs work: say I have 3 Pirate cards (2 Explorer, 1 Resistance), can I get the Pirate Spirit ignore monster DEF effect if those three cards aren't in the same deck? Similarly, if I have 3 Explorer cards but they're not in the same deck, do I still get the effect? Or do the cards all have to be together for that to work?

Also, is there a list of card deck buffs per rank? There's a list of the maximum level bonuses on Max's blog but I highly doubt many people are going to have everything at SS rank, myself included. Thanks a lot!