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.

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.

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.

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!

Love this banking! Absolutely love using this banking service the only down fall was having to pay $300 for the fire element and the fact how when u go to an ATM that charges you $3 to pull money out, ok that's fine but what's not fake is how oxygen also charges you am extra $3 just for still doing that. Which I'm not so sure how come that happens but it sucks! The perks are great can't complain their! Even tho the fire element cost so much for the card I cant however fully complain about the price when the card is just wonderful and so worth the money spent!