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*Oxygen is a financial technology company. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.

Oxygen Total Rewards¹. You’ve earned it.

From cashback on your morning java run to travel perks for that long-planned getaway, be rewarded for being you—with Oxygen Total Rewards.

Open your personal account

Get up to 6% cashback² for everyday purchases

See all your available offers and select your favorite merchants right in the app.

Get bonuses everywhere

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Up to 2.40% Annual Percentage Yield³

Elevate your savings game with competitive interest rates, letting your money work harder for you. Then boost those savings with roundups, automatically rounding up your purchases to the next dollar and depositing the difference into your savings.

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Travel Perks⁴

Oxygen has your back with insurance for everything from a lost cell phone to stolen luggage, and even rental car protection when you use your Oxygen card. Plus, you can travel in style with a Priority Pass digital membership⁵ with access to airport lounges for you and your friends.

Total rewards by Oxygen banking

Ambassador rewards

Gaining access to even more perks is even easier with Ambassador rewards. Get discounts to upgrade your Element tier—and their added benefits—based on qualifying annual spend. Not sure if you qualify? Don’t worry—we’ll send a push notification to let you know and give you 30 days to decide.

One more celebration. Meet Oxygen day.


Oxygen day

Time to do your happy dance. On the 8th day of every month, all your rewards earned over the past month become available to cash out in your app.

Start to earn

How Total Rewards work

Manage your rewards right in the Oxygen app.

Even more perks

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extraordinary community