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.

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!

BidStat charges! We paid for a one time subscription to a service that these lot bought! They now want us to pay every year! The Bidstat system uses freely available information

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.

Fluid banking with lots of benefits I've been using Oxygen for about 3 years now and I have to say it's been my favorite banking experience so far. I really enjoy the single use cards and vendors specific card options they provide, they offer another layer of privacy and security that other banks do not. Getting paid early is definitely a nice bonus as well, I look forward to banking with Oxygen for years to come.