Oxygen Virtual Cards

What is a virtual card?

A “Virtual Card” is a disposable, impossible to lose debit card linked to your Oxygen account with a 3-digit security code and an expiration date. These Virtual Cards can be used online or by phone without presenting your physical Oxygen card number. Virtual cards can be a reusable or a one time use card. They will expire one year from the calendar month the virtual card was created. The number of virtual cards you can create depends on your Element.

Element # of Virtual Cards
Earth 3 Active
Water 15 Active
Air Unlimited
Fire Unlimited

If you downgrade to a lower element with fewer available Virtual Cards, you will still have access to the cards that were active when you downgraded. However, as those cards expire, you will not be able to create new ones as long as you remain above the limit of your new tier.

How do I create and use my virtual cards?

You can create a virtual and impossible-to-lose card the same way you would order a physical one! Simply go to More\My cards section in the app, swipe right and select Create new card. You can set a spend limit of up to $2,500 per transaction. You can also create a virtual merchant card that is associated with a specific merchant, spending limit and frequency. Set your amount and Save. The card will instantly appear in your app and is ready for use. To view your virtual card number, tap once on the virtual card to expose all card details.

What are virtual cards used for?

Virtual cards are ideal for one time or recurring payments/subscriptions such as paying your phone bill, Netflix subscription or making a purchase with Amazon.
Virtual cards cannot be used for any type of transfer or deposit. If you attempt to make a transfer with an application such as Cash App, Venmo, Paypal, etc. the transfer will not be processed, and you’ll have to wait 3-5 business days for the funds to return to your account.

Can I add funds to my virtual cards?

No, you cannot add funds to your virtual card. That is because as long as you have a positive balance in your deposit account to cover the limit set on your virtual card, the transaction attached to your virtual card number will automatically deduct from your deposit account.

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