Articles on: Onboard Cards

What is the Onboard Flex Card and Where Does It Work?

The Onboard Flex Card is a USD card built for smooth, reliable everyday spending. It works for online payments, and for offline/tap payments when added to Apple Pay or Google Wallet.

It’s built for people who work and live globally. If you pay for tools, subscriptions, travel, or spend across different countries, Flex gives you a card that simply works, with low FX fees on non-USD transactions.

What makes the Flex Card different?

1. Works online and in-store

Flex supports offline payments through Apple Pay and Google Wallet, so you can use it in supermarkets, cafés, transit, and anywhere Visa contactless is accepted.

2. Performs reliably

Flex is designed to reduce common issues with international payments, with fewer random declines on subscriptions and everyday online spend.

3. Lower FX fees on non-USD payments

When you pay in a currency other than USD, Flex applies a simple, transparent fee: $0.30 + 1% per non-USD transaction.

Where does the Flex Card work?

You can use your Flex Card for:

Online shopping on Amazon, AliExpress, Shein, eBay and more
Subscriptions and renewals on Netflix, Spotify, Canva Pro, ChatGPT etc
SaaS tools and ads platforms (Google Ads, Facebook Ads, NameCheap and more)
Flights, hotels, and travel bookings on Airbnb, Booking.com, Uber, etc
In-store tap-to-pay via Apple Pay or Google Wallet

In most countries where Visa is accepted.

Where the Flex Card does not work

Your Flex Card will not work in:

Sanctioned or restricted jurisdictions
High-risk merchant categories (gambling, adult services, some crypto platforms)
Merchants blocked due to compliance or fraud rules
Regions where Visa isn’t supported

For more details, see → Where can I NOT use my card? (Prohibited Use & Jurisdictions

Some apps or services may enforce regional restrictions on payment methods, even if Visa is accepted. For example, Onboard's cards don't support App Store *in Nigeria, but will generally work in other countries where 1) USD is accepted and/or 2) country has Apple Pay support.

What currency does the Flex Card use?

The Flex Card is a USD-denominated spend card meaning every transaction settles in USD.

But you can fund your card using different currencies, including:

Your local currency (NGN, IDR, KES, MUR and more)
Stablecoins (like USDT or USDC)
Your Onboard USD balance
Other Onboard balances (trading, or DeFi wallet balances)

If you pay in a currency other than USD, an FX fee will apply. The fee for non-USD payments is:

$0.30 + 1% per non-USD transaction.

What you need before creating a Flex Card

You must meet all Flex Card eligibility requirements.

See full eligibility details here → [Flex Card Eligibility]

Next steps

Updated on: 18/11/2025

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