Onboard Card

#44 (out of 54) in Crypto Cards
#10 (out of 12) in Non-Custodial Crypto Cards
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5
Overall Rating
CRITERIA:
Brand Authority
1.5
Fees and Limits Structure
5.4
Customer Service
8.2
PROS:
  • Quick to reply customer service
  • Supports 190+ countries
CONS:
  • Virtual-only card
  • No Apple Pay
  • High foreign exchange fee (2% + $0.50)
Visa or MC
Debit or Credit

Prepaid Card

Denominated In$ USD
Apple PayNot Enabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

0.00 USD

Crypto to USD Crypto->USD Conversion Cost

~0.35% + Gas Fees

Cashback

None

Daily Spending Limit

5,000 USD

Daily ATM Withdrawal Limit

N/A (Virtual-Only Card)

Foreign Exchange Fee

2% + $0.5 (which is ~4.5% on $20 spend)

Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Non-Custodial (connect your own wallet)

Supported CountriesShow All (193)
Supported Blockchains
Supported CryptocurrenciesUSDCUSDT
Onboard Card: virtual-only crypto card with no monthly fees

Onboard Card: virtual-only crypto card with no monthly fees

Onboard Card Benefits and Rewards

Onboard Card has a campaign going on right now where you can earn 1 USDC on every USD card transaction between $10 – $1,000 (capped at 5 transactions a month). Therefore, maximum reward is 5 USDC per month.

They do not offer any other type of rewards for using the card.

Onboard Card is a Prepaid Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

Onboard Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use. It should be noted that Onboard doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It's Issued Solely in Virtual Form, Lacking a Physical Version

Onboard Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.

Wondering about the pros and cons of virtual-only format? Here are some highlights:

No Physical Card
Virtual Card
No ATM WithdrawalsInstantly Available, No Waiting for Mail
No Card when Hotels or Car Rentals Require itIdeal for Online Purchases
No Card When Phone Dies or no InternetEnvironmentally Friendly
No Feel-Good Backup Payment MethodNo Tangible Item to Misplace

Not so Great:Since Onboard Card doesn't support Apple Pay and doesn't have a physical card version, you will only be able to use this card for online purchases.

Crypto-to-USD Conversion Cost with Onboard Card

Onboard Card Requires Pre-Load

Before you can use your Onboard Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.

Crypto
Crypto to Fiat Conversion Fee0%
Sell Spread~0.25%
Broker Sell Spread~0.1%
Load Fee0%
Transaction Fee
0%
Gas Feesvary
Total Crypto to USD Cost~0.35% + Gas Fees
USD

Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Onboard Card is much more cost-effective (~0.35% + Gas Fees). This means that you will get more USD for your crypto when using this card.

From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Onboard Card Compare to Other Crypto Cards?

Onboard Card ranks #44 out of 54 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

In addition, Onboard Card ranks #10 out of 12 amongst Non-Custodial Crypto Cards.

Weakest Features Against Competitors

Compared to its 54 competitors, here are the shortcomings of Onboard Card:

  • Apple Pay isn't enabled (while 70% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Has a foreign exchange fee of 2% + $0.5, which can add up quickly - it will be 4.5% on $20 spend (average foreign exchange fee of other cards is 1.5%).
  • Daily spend is capped at 5,000 USD (while other cards offer 23,500 USD daily spend limit on average).
  • Supports only 2 cryptocurrencies, USDC and USDT (while other cards support an average of 20).
  • Lesser-known company with a 1.5/10 brand authority score (the average for all competing cards is 6/10).
  • Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
  • Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
  • Onboard Card vs. THORWallet Card vs. Holyheld Card

    Onboard Card
    THORWallet Card
    Holyheld Card
    Monthly Fee 0.00 USD 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~0.35% + Gas Fees ~1.75% + Gas Fees ~0.5%
    Highest Cashback None None up to 1%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 5,000 USD 5,000 EUR 10,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) N/A (Virtual-Only Card) 5,000 EUR
    Foreign Exchange Fee 2% + $0.5 1.5% 0%
    Asset Management Non-Custodial Non-Custodial Non-Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 2 4 1201
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Great Great Great
    Brand Authority Less-Known Less-Known Growing

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Holyheld Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Onboard Card and THORWallet Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Holyheld Card offers the best cashback rewards of up to 1%. With Onboard Card and THORWallet Card, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

We Tested Onboard's Customer Support

We asked Onboard's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Onboard offers support via the following channels:

Chathttps://onboard.crisp.help/
Emailsupport@onboard.xyz

Location: Onboard customer service reps are located in Nigeria flagNigeria.¹

Support Channel Our Interaction Score
Chat
(replied in
2 min)
Apart from using the word 'kindly' too much, replies were quick and helpful.
High Competence
Somewhat Personalized
Adequate English, Professional Tone
9/10
Email
(replied in
8 h 17 min)
Direct and to the point response to a question about 3ds security.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
9.5/10
Chat
(replied in
2 min)
Replied incredibly quickly, even to multiple follow up questions. Gave a feeling of a personal account manager who is always there for you.
High Competence
Not Personalized
Flawless English, Professional Tone
9/10
Chat
(replied in
22 min)
Struggled to answer a non-typical question, to which there are no copy pasted replies (asked about referral program specifics).
Low Competence
Somewhat Personalized
Adequate English, Professional Tone
4.5/10
Chat
(replied in
1 h 48 min)
Initially required a bit more explaining on what is being asked (missing swap feature), but gave a good answer. They totally overuse the word 'kindly', which is a bit cringy.
High Competence
Somewhat Personalized
Adequate English, Professional Tone
9/10

To summarize,

Competence and Problem-Solving: More often than not, Onboard's customer service responses are highly competent, proving they're a company that takes your questions seriously.

Customer Love: Onboard's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.

Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 2 minutes to as slow as 8 hours.

Overall Customer Service Rating: 8.2/10

This excellent score places Onboard's Customer Service well above the crypto card industry average of 7/10.

Onboard Referral Code - to Get 1% Cashback on Your Deposits

You can use referral code tkioemSa6FRGUk138 to get 1% Cashback on your deposits.

Here's how you can enter the referral code when signing up:

Onboard referral code

..or, just click here.

Your cashback will be paid out to you in USDC (USD Coin1).

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Onboard Card Available for Residents of United States?

No, Onboard Card is not available for residents of United States.

Onboard Card supports the following countries: Aland, Albania, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Bosnia-Herzegovina, Botswana, Brazil, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Cayman Islands, Chad, Chile, China, Christmas Island, Cocos Keeling Islands, Colombia, Cook Islands, Costa Rica, Croatia, Curacao, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guyana, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Laos, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Lucia, Saint-Martin, Samoa, San Marino, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and South Sandwich Islands, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Sweden, Switzerland, Taiwan, Tanzania, Thailand, Timor Leste, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turks and Caicos Islands, Tuvalu, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Western Sahara, Zambia.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

That Helps. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
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