Articles on: Spending - Cards

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% 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 for details.


Next steps:



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
  • 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.


Next steps



Updated on: 16/04/2026

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