Onboard Flex Card

Onboard issues the Flex Card, a prefunded USD virtual Visa aimed at users who need reliable international online payments and mobile-wallet spending. It is funded from supported local currencies, stablecoins such as USDT and USDC, or an existing Onboard balance, then spent at Visa merchants worldwide.

The economics are mostly cheap: the first virtual card is free, extra Flex cards cost $2, and there is no annual fee. USD purchases are free, while non-USD purchases and USD transactions with merchants outside the US carry $0.30 + 1.5%. Onboard does not advertise cashback, so the card competes on access rather than rewards.

Two things to know before applying. The Flex Card is virtual only — in-store spending happens through Apple Pay or Google Wallet. And it is not available in the United States or other restricted jurisdictions, so it suits non-US users who need a dollar card rather than US consumers.

Onboard's Flex Card is prefunded in USD and aimed at international online and mobile-wallet payments, which makes it a direct alternative to PSTNET for ad and subscription spending and to Multicards if you need a specific BIN. The crypto card directory lists their funding options.

What you get

• Prefunded USD virtual Visa for online payments, subscriptions, travel bookings and international purchases
• Funding from local currency, stablecoins or an Onboard balance
• Apple Pay and Google Wallet support for contactless in-store payments where supported
• Up to three Flex cards, so a card can be dedicated to subscriptions
• Instant freeze and unfreeze from the app, plus multi-factor security and fraud monitoring

Where it fits

The Flex Card is for users outside the US who need a dollar card for subscriptions and cross-border online spend and would rather hold a prefunded balance than connect a bank account. Its FX pricing is well below the 2.5–3% that most crypto cards charge, but it is not a way to spend crypto directly.

How it is funded

Onboard accepts supported local currencies and stablecoins including USDT and USDC, or a balance already held in the Onboard app. Stablecoin deposits may attract network charges on top of the card funding fee.

What it spends

Settlement is in USD against a prefunded balance. There is no line of credit and no crypto collateral.

Card creation and account

• First Flex Card: free; additional Flex cards $2 each
• Annual fee: none; no monthly maintenance
• Card funding: a funding fee applies to loads, with 1.25% reported for card funding and possible network charges on some stablecoin deposits — confirm the current rate in-app
• Decline charges: none on the Flex tier (Classic charges $0.32 per declined international transaction and $0.02 domestic)

Spending

• USD purchases: free
• Non-USD purchases: $0.30 + 1.5%
• Cross-border USD, merchant outside the US: $0.30 + 1.5%

Limits

• $5,000 a day and $20,000 a month by default; higher limits on request

Figures reflect Onboard's published card fee schedule (updated 16 July 2026) and third-party reporting on card funding charges.