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COMPANY detail
ONBOARD CARD
money app to receive, spend or send
CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
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W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2.5%+$0.50
APR / YIELD
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
NO
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
$5,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 1.5%+$0.30
APR / YIELD
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
$5,000
GET THE CARD
CLASSIC CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2.5%+$0.50 |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | NO |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | $5,000 |
FLEX CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.5%+$0.30 |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | $5,000 |
Last Updated: Sep 19, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Flex - first card FREE, additional $2 each (max 3)
Classic - first card FREE, additional $2 each (max 3)
Flex - $0.30 + 1.5% non-USD fee, 6-year validity, no decline charges.
Classic - $0.50 + 2.5% non-USD fee, 3-year validity, $0.32/$0.02 decline charges.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Flex Card: First card FREE, additional $2 only
- Flex: Apple Pay + Google Pay for in-store tap-to-pay
- Flex: Low FX fees ($0.30 + 1.5%), no decline charges
- Flex: 6-year card validity
- Available in 150+ countries
- Multiple funding options (bank, crypto, stablecoins) — min just $1
- Freeze/unfreeze card controls
- $5,000 daily / $20,000 limits — higher on request
- Withdraw to local bank account (NGN, IDR, KES, UGX)
- Regulated (FINTRAC Canada + FinCEN US)
CONS
[ LIMITATIONS ]
- Classic Card has significantly higher fees ($0.50 + 2.5% FX + decline charges)
- Classic Card has NO Apple Pay/Google Pay — online only
- Classic Card decline charges ($0.32/$0.02 per decline)
- Max 3 cards only
- Custodial wallet
- No physical card
- No cashback or rewards
- No ATM withdrawals
- Crypto exchange spending BLOCKED — card partner restriction
GENERAL QUESTIONS.
The Onboard USD Card is an extremely reliable and convenient option for everyday purchases, providing you with a seamless way to convert your stablecoin to USD. You have the flexibility to fund it through various channels, including your local bank account, your Onboard Wallet balance, or external wallets such as Binance and Coinbase.
Once funded, you can use it for transactions wherever VISA is accepted, just like a physical bank card.
Onboard Virtual Cards are valid for 3 years from when you create it in the app. You can find your card's expiry date in the 'Details' section on your Cards page.
At the moment, users are limited to creating and owning one virtual card at a time.
Yes, other people can send money to your virtual card! Each card is associated with a unique wallet address that you can share with anyone who wants to send you money. This wallet address ensures that the payment is accurately directed towards your account.
Here's how you can do it:
Select "External Wallet" as your funding method.
Add your preferred amount and choose the stablecoin that the sender will be sending.
The wallet address associated with your card will appear on the screen. Share this address with the sender and instruct them to deposit the exact amount shown.
Once they confirm the deposit is complete, click "I have made exact payment," and your account will be topped up with USD.
It's really that simple and easy!
Virtual Card (Classic): $3 one-time creation fee. Flex Card: Free.