Elements

We’ve created four loyalty tiers to help you succeed in your own way. Compare the benefits below.

Earth

$0
Initial qualification: none
Annual qualification: none
  • PVC I Foiled Card
  • 2% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 0.25% APY5
  • In App ACH pull from external accounts limit: $1,000/day $10,000/month
  • Up to 3 Savings Goals
  • Cell Phone Protection
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • 3 Active Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to build

Water

$19.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($1,500 mo. / $500 mo.)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • Embedded Metal Card
  • 4% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 0.75% APY6
  • In App ACH pull from external accounts limit: $1,500/day $15,000/month
  • Up to 10 Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • 15 Active Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to flow

Air

$49.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($3,000 mo. / $1,000)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • All Metal Card
  • 5% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 1.00% APY7
  • In App ACH pull from external accounts limit: $3,000/day $30,000/month
  • Unlimited Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Peloton Digital 2 mo. Reimbursement
  • Priority PassTM Annual Membership + 5 visits
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • Unlimited Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to breathe

Fire

$199.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($6,000 mo. / $2,000 mo.)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • Mechanically Engraved All Metal Card
  • 6% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 1.25% APY8
  • In App ACH pull from external accounts limit: $6,000/day $60,000/month
  • Unlimited Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Peloton Digital 2 mo. Reimbursement
  • Priority PassTM Annual Membership + 10 visits
  • Global Entry Reimbursement/ TSA Precheck Fee Credit
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • Unlimited Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to ignite
support@oxygen.us
866-287-7021,
PO Box 477,
San Francisco,
CA 94104-0477
support@oxygen.us
866-287-7021,
PO Box 477,
San Francisco,
CA 94104-0477

Banking Services provided by The Bancorp Bank, Member FDIC. The Oxygen Visa® Debit Card and the Oxygen Business Visa® Debit Card are issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1 Oxygen won the 2021 Best Overall Fintech App at the Fintech Breakthrough Awards.

2 Cashback percentage varies by element. Variable annual fee and account activity requirements may apply. Please refer to Cashback Terms & Conditions for more details.

3 Savings APY varies by Element. Variable annual fees, deposit and spend requirements may apply. No interest paid on balances over $20,000. Please refer to oxygen.us/apy for details.

4 Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

5 0.25% APY applies to Earth Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 0.25% to 0.04%. APYs current as of 6/17/21.Please refer to oxygen.us/apy for details.

60.75% APY applies to Water Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 0.75% to 0.13%. APYs current as of 6/17/21. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

71.00% APY applies to Air Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 1.00% to 0.17%. APYs current as of 6/17/21.. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

81.25% APY applies to Fire Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 1.25% to 0.21%. APYs current as of 6/17/21.. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

9Based on the average Savings APY at Bankrate.com

10LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected.

11 For Business cashback rewards, please refer to Cashback Terms and Conditions for details.

12Out of Network and International fees may apply. Third party fees may apply.

13Please see Oxygen Business Savings Agreement for details.

All trademarks and brand names belong to their respective owners.

For full details on Retail and Travel benefits please refer to your Cardholder Guide to Benefits.

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