Earn game-changing
cash rewards
with Oxygen Elements
Generous cash rewards are only a swipe away with your Oxygen
Elements Visa card. Whether you subscribe to the Earth, Water, Air, or Fire
tier, you re on your way to leveling up your financial journey.
Earth
$0
Annual Fee
Heavyweight silver foiled PVC
2 Day Early Deposit4
2% Cashback2
$350 min. spend per month
2.10% Annual Percentage Yield5
3 Virtual Cards
Water
$49
Annual Fee
12G Stainless Steel Veneer
2 Day Early Deposit4
3% Cashback2
2.20% Annual Percentage Yield6
15 Virtual Cards
Air
$99
Annual Fee
16G Premium Stainless Streel
2 Day Early Deposit4
4% Cashback2
2.30% Annual Percentage Yield7
Unlimited Virtual Cards
Fire
$299
Annual Fee
16G Mechanically Engraved Elite Grade Steel
2 Day Early Deposit4
6% Cashback2
2.40% Annual Percentage Yield8
Unlimited Virtual Cards
Earn game-changing cash rewards with Oxygen Elements
Generous cash rewards are only a swipe away with your Oxygen Elements Visa card. Whether you subscribe to the Earth, Water, Air, or Fire tier, you re on your way to leveling up your financial journey.
Earth
Water
Air
Fire
Earth
$0
Annual Fee
2 Day Early Deposit4
2% Cashback2
$350 min. spend per month
2.10% Annual Percentage Yield5
3 Virtual Cards
Everyday Benefits
Ambassador Reward
Spend $4200 to get 25% discount on the annual fee
Card Material
Heavyweight Silver foiled PVC
Cashback
2%
Savings APY
2.10%
Savings Goals
3 goals
40k Fee Free ATMs
Early Direct Deposit
Virtual Cards
3 cards
Retail & Travel Benefits
Cell Phone Protection
Baggage Delay Protection
Lost Luggage Protection (Checked Luggage Only)
Hotel Theft Protection
Auto Rental Collision Damage Waiver
Extended Warranty
Priority Pass Annual Membership
Global Entry & TSA Pre-Check Reimbursement
CompareElement | Earth | Water | Air | Fire |
|---|---|---|---|---|
Everyday Benefits | ||||
| Ambassador Reward | Spend $4200 to get 25% discount on the annual fee | Spend $12 000 to get an extra $25 plus 25% discount | Spend $18 000 to get an extra $50 plus 25% discount | Spend $25,000 to get an extra $150 |
| Card Material | Heavyweight Silver foiled PVC | 12G Titanium Metal Core | 16G Premium Stainless Steel | 16G Mechanically Engraved Elite Grade Steel |
| Cashback2 | 2% | 3% | 4% | 6% |
| Savings APY3 | 2.10%5 | 2.20%6 | 2.30%7 | 2.40%8 |
| Savings Goals | 3 | 10 | Unlimited | Unlimited |
| 40k Fee Free ATMs14 | ||||
| Early Direct Deposit4 | ||||
| Virtual Cards | 3 | 10 | Unlimited | Unlimited |
Retail & Travel Benefits15 | ||||
| Cell Phone Protection | ||||
| Baggage Delay Protection | ||||
| Lost Luggage Protection (Checked Luggage Only) | ||||
| Hotel Theft Protection | ||||
| Auto Rental Collision Damage Waiver | ||||
| Extended Warranty | ||||
| Priority Pass Annual Membership | 5 visits | 10 visits | ||
| Global Entry & TSA Pre-Check Reimbursement |
Oxygen is a financial technology company, not a bank.
Banking services provided by The Bancorp Bank, N.A., Member FDIC.