What are Onboard Cards and how do they work?
Onboard Cards are USD-denominated spend cards that make managing everyday payments, subscriptions, and travel purchases easier, whether you’re online or in-person.
They come in two types: the Classic Card and the Flex Card, each designed to meet different spending needs and preferences.
Whether you’re paying for online tools, booking flights, or shopping while abroad, Onboard Cards give you reliable, flexible ways to spend, with clear fees and limits.
Classic Card vs Flex Card
Here’s a quick comparison to help you understand the difference between the two Onboard Card options:
Feature | Classic Card | Flex Card |
|---|---|---|
Type | Virtual | Virtual (physical coming soon) |
Online Spending | ✅ | ✅ |
In-Store / Tap Payments | ❌ | ✅ (via Apple Pay / Google Pay) |
Apple / Google Pay | ❌ | ✅ (manual setup) |
FX Fees (non-USD) | $0.50 + 2.85% | $0.30 + 1% |
Daily Spending Limit | $5,000 | $5,000 (Higher limits may be offered for frequent users) |
Monthly Spending Limit | $20,000 | $20,000 (Higher limits may be offered for frequent users) |
Card Creation Fee | Free | Free |
Funding Fees | Crypto: Free (except USDT on Tron - 1.25 USDT) | Crypto: Free (except USDT on Tron - 1.25 USDT) |
Where Can You Use Onboard Cards?
Both Classic and Flex Cards work online almost anywhere Visa is accepted. For offline payments, only the Flex card currently supports this, via Apple Pay and Google Pay in supported countries.
Examples of what you can pay for:
- Online shopping platforms like Amazon, AliExpress, Shein
- Subscriptions and renewals like Netflix, Spotify, Canva Pro
- SaaS tools and ads platforms like Google Ads, Facebook Ads, ChatGPT
- Flights, hotels, and travel bookings like Airbnb, Booking.com
- E-commerce and online marketplaces like Etsy, eBay
- In-store payments via Apple Pay or Google Wallet, at supermarkets or cafés (Flex card only)
Note: Offline payments may not work in all regions due to POS terminal restrictions.
Where Onboard Cards Don’t Work
- Sanctioned or restricted countries
- High-risk merchant categories (gambling, adult services, some crypto platforms)
- Merchants blocked due to compliance or fraud rules
- Apps or services that enforce regional restrictions (even if Visa is accepted). See here
For a full list of unsupported countries, see here.
Fees, Limits, and Currency
- All transactions are denominated in USD.
- FX Fees (non-USD transactions): $0.30 + 1% for Flex, $0.50 + 2.85% for Classic.
- Funding options: Local currency or supported crypto (except USDT on Tron).
- Spending limits: $5,000 daily, $20,000 monthly (Flex and Classic).
Next steps
- How do I create a Flex Card?
- How do I add my Flex Card to Apple Pay or Google Wallet?
- Flex Card fees & limits
Updated on: 19/11/2025
Thank you!