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

Oxygen Total Rewards¹. You’ve earned it.

From cashback on your morning coffee 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 your Oxygen app.

Get bonuses everywhere

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Up to 2.40% Annual Percentage Yield³

Elevate your savings game with competitive interest rates and let your money work harder for you. Then, boost those savings with automatic round ups on your purchases to the next dollar and deposit the difference into your savings.

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Travel Perks⁴

Oxygen has got your back with insurance covering everything from a lost phone to stolen luggage—and even rental cars—when you use your Oxygen card. Plus, travel in style with a Priority Pass digital membership⁵ accessing hundreds of airport lounges for you and your friends.

Total rewards by Oxygen banking

Ambassador rewards

Gain access to even more perks with Ambassador rewards. Get discounts to upgrade your Elements tier and benefits based on qualifying annual spend. We’ll send a push notification to let you know when you qualify 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