Cashback is meh but the only positive. Cashback is cool, but waiting a til "oxygen day" (every month on the 8th) to use it is stupid. So you're locked out of cashback, but it use to be as soon as you hit the $10 minimum. They don't have any credit builders, loans, line of credit, or anything like varo, chime, Albert.

Amazing card… I have had excellent service since day one. I love the cash back feature. I also really love the responses from vendors commenting on how unique the physical card is!

I have been an Oxygen Banking member… I have been an Oxygen Banking member for a year. Everything was fine until I was a victim of theft and subsequent fraud. My phone was stolen and all my accounts that were tied to my phone were ruined. I provided a police report and oxygen said “no error found” and denied the claim. I refuse to be on the hook for $450 I never spent. Avoid oxygen at all costs. On advice of others I’ll be submitting to the BBB and FTC. Visa guarantees its customers 0% liability for unauthorized charges. They re opened the dispute and it’s looking like this will be a 6 week process. I’ve reached out to my states attorney general and filed a grievance with their office.

Opportunities to upgrade my card Opportunities to upgrade my card, having a business account that I can easily transfer to my personal account. Having an easy way to save money when I spend money. I would love more vendors that I shop at regularly to be on the list of cashback options.

When we first got the oxygen card the… When we first got the oxygen card the cash back rewards were MUCH BETTER! You have limited AND changed the retailers we can shop with, the frequency we can shop and when we can retrieve our cash back rewards