Jam Card vs Onboard Card
The short answer
Winner: Jam Card — 6.3/10 versus 5.5/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Jam Card
No KYC
Onboard Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
Free
FX fee
2.5%
2%
Per transaction
Unlimited
Unlimited
Daily limit
$250k
$5k
Monthly limit
Unlimited
Unlimited
KYC
No KYC
KYC
Card type
Prepaid
Prepaid
Custody
Non-custodial
Non-custodial
Conversion fee
4.2%
0.35%
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
41
41
Coins
USDT
USDC, USDT
Jam Card vs Onboard Card FAQ
On our composite score Jam Card edges ahead (6.3/10 vs 5.5/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.