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
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.
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.
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.
8
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 earnHow Total Rewards work
Manage your rewards right in the Oxygen app.
Step 1/4
Open an account
Your Oxygen personal account gives you access to the Total Rewards program.
Deposit funds
Add money to your account to start spending—and earning.
Choose and activate merchant
Before you make your purchases, select and activate the cashback merchant you most frequently spend with (don’t forget this step!).
Boost your savings
Turn your savings into more savings by activating roundups and accelerators.
Even more perks
Security
Go after your goals knowing your account is safe and secure with advanced security features.
Give your savings a boost
Earn up to 2.40%³ Annual Percentage Yield (APY) and accelerate your savings with roundups.
Virtual cards⁶
Keep your debit card info secure when you spend online with virtual cards.
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