> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.onboard.xyz/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What are Onboard Cards and where can I use them?

Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.

### What you can do with your Flex Card:

* Pay online at most merchants where Visa is accepted — Amazon, Netflix, Google Ads, ChatGPT, Spotify, Airbnb, and 40,000+ other platforms
* Pay in-store via Apple Pay or Google Pay (tap-to-pay)
* Create up to 3 cards to organize your spending (e.g., "Subscriptions", "Shopping")
* Fund with stablecoins (USDT, USDC), local currency (NGN, IDR, KES), or from other Onboard balances

###### Key details:

* USD-denominated — your card balance is held in USD
* Cards must be funded before spending
* First card is free, additional cards cost $2 each
* Designed for reliable international payments with low FX fees ($0.30 + 1.5% on non-USD and cross-border transactions)

###### What about Classic Cards?

Classic Cards have been deprecated and are no longer available to create. If you had a Classic Card, it has either already been deactivated or will be soon — see our [migration guide](https://help.onboard.xyz/en/article/upgrading-your-classic-card-to-flex-card-a-complete-guide-gl6xm7/) for details.

**Next steps:**
* [How do I create my Flex Card?](https://help.onboard.xyz/en/article/how-can-i-create-an-onboard-card-9kn91p/)
* [How do I add my Flex Card to Apple Pay or Google Wallet?](https://help.onboard.xyz/en/article/how-do-i-add-my-flex-card-to-apple-pay-or-google-wallet-ut8mf5/)
* [What are the fees and limits on my card?](https://help.onboard.xyz/en/article/what-are-the-transaction-fees-and-spending-limits-on-my-onboard-card-1crka3c/)


### 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](https://www.notion.so/What-are-Onboard-Cards-and-how-do-they-work-2aed4b1c0e768056958eccb1e0aa3301?pvs=21)
* Note: In-store payments may not work in all regions due to POS terminal restrictions in that region.

For a full list of unsupported countries, see [here.](https://help.onboard.xyz/en/article/where-can-i-not-use-my-onboard-flex-card-prohibited-use-jurisdictions-19msbbo/)