Onboard
Onboard is a crypto card issued on Visa, rated 6.6/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Onboard is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Onboard · crypto card |
| Official site | https://onboard.org |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.6/10 (3.5★, 50 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | first card free, 2 USD for additional cards |
| Top-up (deposit) fee | 1.25% card funding fee; 0.35% crypto-to-fiat conversion |
| FX / conversion fee | 0.30 USD + 1.5% on non-USD / cross-border transactions |
Verification and risk
| KYC required | yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (USDC / USDT) |
| Bank transfer | no |
| Alipay / WeChat Pay | no |
| Cards per account | virtual only |
Billing
| Billing address | Global |
| Billing country | international (not available in the US) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 462278 | Visa | Multi-region | Debit | 103 | 71 | 68.9% |
We logged 71 cleared charges out of 103 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Visa virtual cards
Frequently asked
What does Onboard cost to run?
The cost lines stack like this: issuing the card is free; top-ups cost 1.25% card funding fee; 0.35% crypto-to-fiat conversion; conversion is priced at 0.30 USD + 1.5% on non-USD / cross-border transactions. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Onboard?
Onboard asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes
How can I fund Onboard?
You can fund it with crypto (USDC / USDT). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Onboard need?
Setting it up: the billing address type is Global; cards are issued against international (not available in the US); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Onboard work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Onboard trigger 3-D Secure?
Yes. Onboard supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Onboard?
The issuer allows virtual only. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.