What are Onboard Cards and where can I use them?

Onboard offers USD-denominated virtual Visa cards that let you pay for things online and in-store around the world. There are two card types:

Flex Card (Recommended)

• Works for online payments and in-store via Apple Pay & Google Pay
• Higher acceptance rate across merchants
• You can create up to 3 Flex cards
• Lower fees on non-USD payments ($0.30 + 1%)
• Zero cross-border & withdrawal fees

Classic Card

• Online payments only
• Higher fees on non-USD transactions ($0.50 + 2.5%)

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.

Note: The Classic Card may be phased out for most users in the future. We recommend creating a Flex Card for the best experience.

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: In-store 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: External bank accounts and crypto wallets, other Onboard balances.
• 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: 19/02/2026