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

    Earth Visa debit card -purple-from Oxygen Elements series

    Heavyweight silver foiled PVC

      • 2 Day Early Deposit4

      • 2% Cashback2

      • $350 min. spend per month

      • 2.10% Annual Percentage Yield5

      • 3 Virtual Cards

    Get started
  • Water

    $49

    Annual Fee

    Green Oxygen debit card "earth" from Elements series

    12G Stainless Steel Veneer

      • 2 Day Early Deposit4

      • 3% Cashback2

      • 2.20% Annual Percentage Yield6

      • 15 Virtual Cards

    Get started
  • Air

    $99

    Annual Fee

    Oxygen blue debit card "Air" from Elements series

    16G Premium Stainless Streel

      • 2 Day Early Deposit4

      • 4% Cashback2

      • 2.30% Annual Percentage Yield7

      • Unlimited Virtual Cards

    Get started
  • Fire

    $299

    Annual Fee

    Red Oxygen "fire" debit card

    16G Mechanically Engraved Elite Grade Steel

      • 2 Day Early Deposit4

      • 6% Cashback2

      • 2.40% Annual Percentage Yield8

      • Unlimited Virtual Cards

    Get started

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

Earth Visa debit card -purple-from Oxygen Elements series
    • 2 Day Early Deposit4

    • 2% Cashback2

    • $350 min. spend per month

    • 2.10% Annual Percentage Yield5

    • 3 Virtual Cards

Apply

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

Compare

Element

Earth

Water

Air

Fire

Everyday Benefits

Ambassador RewardSpend $4200 to get 25% discount on the annual feeSpend $12 000 to get an extra $25 plus 25% discountSpend $18 000 to get an extra $50 plus 25% discountSpend $25,000 to get an extra $150
Card MaterialHeavyweight Silver foiled PVC12G Titanium Metal Core16G Premium Stainless Steel16G Mechanically Engraved Elite Grade Steel
Cashback22%3%4%6%
Savings APY32.10%52.20%62.30%72.40%8
Savings Goals310UnlimitedUnlimited
40k Fee Free ATMs14
Early Direct Deposit4
Virtual Cards310UnlimitedUnlimited

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 Membership5 visits10 visits
Global Entry & TSA Pre-Check Reimbursement
Text 'Reject the Oriniary-Banking from the Extraordinary'
Apple app store logoGoogle play logo

Oxygen is a financial technology company, not a bank.
Banking services provided by The Bancorp Bank, N.A., Member FDIC.