Earn game-changing cash rewards with Oxygen Elements
Cash rewards¹ 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.
$0
Annual Fee
earth
$49
Annual Fee
water
$99
Annual Fee
Most popular
air
$299
Annual Fee
fire
Heavyweight silver- foiled PVC
12G Titanium Metal Core
16G Premium Stainless Steel
16G Mechanically Engraved Elite Grade Steel
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
2% Cashback¹
2.10% Annual Percentage Yield⁵
Up to 3 virtual cards²
Up to 3 savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
3% Cashback¹
2.20% Annual Percentage Yield⁶
Up to 15 virtual cards²
Up to 10 savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
4% Cashback¹
2.30% Annual Percentage Yield⁷
Unlimited virtual cards²
Unlimited savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
6% Cashback¹
2.40% Annual Percentage Yield⁸
Unlimited virtual cards²
Unlimited savings goals
Compare tiers
Everyday Benefits | Earth | Water | Air | Fire |
---|---|---|---|---|
Ambassador Reward | Spend $4,200 to get plus upto 25% discount on annual fee | Spend $12,000 to get an extra $25 plus upto 25% discount on annual fee | Spend $18,000 to get an extra $50 plus upto 25% discount on annual fee | Spend $25,000 to get an extra $150 |
Card Material | Heavyweight Silver foiled PVC | 12G Titanium Metal Core | 16G Premium Stainless Steel | 16G Mechanically Engraved Elite Grade Steel |
Cashback¹ | 2% | 3% | 4% | 6% |
Savings APY⁹ | 2.10%⁵ | 2.20%⁶ | 2.30%⁷ | 2.40%⁸ |
Savings Goals | 3 | 10 | Unlimited | Unlimited |
40k Fee Free Allpoint ATMs⁴ | ✔ | ✔ | ✔ | ✔ |
Early Direct Deposit³ | ✔ | ✔ | ✔ | ✔ |
Virtual Cards² | 3 | 15 | Unlimited | Unlimited |
Retail & Travel Benefits¹⁰ | ||||
---|---|---|---|---|
Cell Phone Protection | ✔ | ✔ | ✔ | ✔ |
Baggage Delay Protection | ✔ | ✔ | ✔ | ✔ |
Baggage Delay Protection | ✔ | ✔ | ✔ | ✔ |
Lost Luggage Protection (Checked Luggage Only) | ✔ | ✔ | ✔ | ✔ |
Hotel Theft Protection | ✔ | ✔ | ✔ | ✔ |
Auto Rental Collision Damage Waiver | ✔ | ✔ | ✔ | ✔ |
Extended Warranty | ✔ | ✔ | ✔ | ✔ |
Priority Pass Annual Membership | - | - | 5 visits | 10 visits |
Global Entry & TSA PreCheck® Reimbursement | - | - | ✔ | ✔ |
Even more perks
*Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.
Be a part of our