Main strengths
- MetaMask, Trust Wallet and Phantom can fund payments without prefunding.
- Apple Pay and Google Wallet support spending and contactless ATM withdrawals.
- Eligible stablecoin spend earns 5%; OOB-token payments can reach 10%.
Oobit white virtual cardStandard card design
Stablecoin account + Visa card
Oobit Card
Oobit Card is a wallet-linked virtual Visa that can spend from MetaMask, Trust Wallet or Phantom at authorization, or from an Oobit account balance. It supports Apple Pay, Google Wallet and cash access at contactless ATMs, while cashback and points depend on eligible assets, transactions and reward levels.
No CEXUS availableCategory rewardsFree base planVisaATM access
Main trade-offs
- Card payments cost 1% with a $0.25 minimum; FX can reach 3%.
- The virtual card is confirmed, but a global physical card is not.
- Cashback needs level 2 and eligible spend; points use a 90-day ladder.
01 · Core economics
Costs that matter
Oobit Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Cash fundingNot disclosedConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
Provider FX markup3%Compare the FX fee with the cashback rate before using it abroad.
Cross-border fee3%Listed separately from the provider or issuer foreign-transaction fee; applicability depends on the transaction.
ATM withdrawal2.5%Oobit's 2.5% fee applies; the ATM operator may add a separate surcharge.
Card spending1%Check whether this applies before large purchases.
USD transaction$0.25Fixed fee per applicable card transaction.
Limits and secondary feesLimits and other fees
Declined transactionNot disclosedNot disclosed
Daily card spend$10,000/dayListed
Monthly card spendNot disclosedListed
ATM limit$250/withdrawalListed
Account depositNot disclosedListed
02 · Rewards programme
Cashback and Oobit Points
Oobit has two current reward mechanics: token-dependent purchase cashback and a separate 1–5× points ladder based on rolling 90-day spend.
Lowest current purchase reward rate
OOB payments only; see the category schedule below
Depends on the token used for payment.
Depends on the payment route; this caps eligible payment amount, not cashback value
Points programme
Oobit Points
The points multiplier rises across five spend levels. Converted value can be used for Tap to Pay, but it cannot be withdrawn or transferred.
90-day thresholds: $0, $250, $500, $1,000 and $1,500
Converts to USDC in the EEA or USDT elsewhere
Current programme conversion
Converted rewards are Tap to Pay only; not withdrawable or transferable
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 10% applies only to OOB payments. Caps below limit eligible payment amount, not cashback value.
CategoryRateEligible purchases and cap
USDT or USDC payments5%
Subject to the current programme's eligibility rules
$200/moOOB payments10%
Subject to the current programme's eligibility rules
$10,000/moCashback is credited usually within 1–3 days after payment completion in USDC in the EEA; USDT outside the EEA; OOB for the OOB route. Merchant coding, programme exclusions, reversals and clawbacks still apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot disclosed
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Connected-wallet spendingAvailable
- Crypto depositsVia Oobit account
- Bank depositsUnconfirmed
- Crypto withdrawalsUnconfirmed
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot used
04 · Money in and out
How connected-wallet spend and Oobit account rails work
Oobit has two separate paths: connected-wallet assets stay self-custodied until payment authorization, while deposits and payouts use the provider-controlled Oobit account. Wallet approval is shown as spending access, not as a crypto deposit.
Money inWays to fund or receive1 route
Connected-wallet spending
1 route
Connected-wallet spendingSupported assets already held in the connected self-custody wallet become available for card payment through revocable token approval; they are not deposited into a separate card balance.OOBUSDCUSDTBNBUSDREURRBTCDOGEETHSOLTRXXRPXTZTONVETXAUTLTCXLMTRUMPADABCHSHIBFeeNo prefunding feeSpeedAfter approvalLimitsUser-set approvalAvailabilityRegion-dependentDetails
Fee components
- No prefunding fee
Access path
Via connected wallet
Availability
Supported token and network combinations; regional restrictions apply
Limit scope
User-selected token approval
Account setup
wallet
Restrictions
Other wallet assets are not directly spendable and must first be moved or swapped into a supported token and network combination before card access can be enabled.
Wallet & accountHybrid settlement
Connected-wallet funds remain under user control until authorization; the optional Oobit account balance is custodial.
What happens on receipt
Connected-wallet assets are used directly after authorization. Crypto deposited to the Oobit account follows the separate custodial-balance path; the complete receive matrix is not confirmed.
Money outWays to send, withdraw or settle2 routes
Internal transfers
1 route
Oobit Pay FriendsInternal provider-account transfer; not a bank payout or on-chain withdrawal.USD equivalentFeeNot confirmedSpeedVaries by railLimits$0.01 minimum; no published maximumAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Availability
Oobit users
Fee scope
Not separately disclosed
Restrictions
Internal provider-account transfer; not a bank payout or on-chain withdrawal.
Bank transfers & payouts
1 route
Crypto-to-bank payoutFaster Payments, ACH, wire, SWIFT, Pix, SPEI, InstaPay, BI-FAST, IMPS, NEFT and NIP are listed.USDEURGBPINR12 currenciesFee1%SpeedNot confirmedLimits$50,000 / transferAvailability12 payout currenciesDetails
Fee components
- 1% · transfer
More assets, currencies or networks
TRY, NGN, IDR, PHP, ARS, BRL, MXN, PKR
Access path
Via provider account
Availability
100+ sending countries; route and currency availability vary
Limit scope
Up to $50,000 per transfer; currency minimums apply
Restrictions
Faster Payments, ACH, wire, SWIFT, Pix, SPEI, InstaPay, BI-FAST, IMPS, NEFT and NIP are listed.
06 · Trust and eligibility
Where Oobit is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
- Explicit restrictions
- 22 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries listed as regional guidance3 countries
GuatemalaParaguayUnited States
Explicit restriction list22 countries
AfghanistanBelarusCentral African RepublicChinaCubaEthiopiaHong KongIranIraqLebanonLibyaMaliMyanmarNicaraguaNorth KoreaRussiaSomaliaSouth SudanSudanSyriaVenezuelaYemen
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productOobit
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Hybrid custodyCard issuerThirdNational
Issuer/creditor for the agreement's applicable programme.
Jurisdiction: Programme-specific · Applies to: Agreement scope differs from the later United States launch; do not generalize it to every user.Card services / infrastructurePomelo Instituição de Pagamento LTDA
Brazil account and payment infrastructure.
Jurisdiction: Brazil · Applies to: Brazil programme only.Card services / infrastructureBakkt
Wallet-native payment infrastructure for the US rollout.
Jurisdiction: United States · Applies to: All-50-state launch; exact consumer issuer and agreement remain unavailable.07 · Methodology
Why the score is 72
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
72/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift90
Everyday usability
Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.
Additional support85
Custody & control
Hybrid custody; funds remain user-controlled before payment.
Main constraint43
Cost efficiency
No monthly fee and 3% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
16 sources16 officialChecked Aug 12, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Oobit Card eligibility and identity verification FAQOfficial source ↗Oobit all-50-state US launchOfficial source ↗Crypto Card | 10% Cashback Anywhere | OobitOfficial source ↗Rain Card TermsOfficial source ↗5X Reward Terms | Oobit Loyalty Program RulesOfficial source ↗Brazil Terms of Use | Oobit Local User AgreementOfficial source ↗
09 · Card comparison
How Oobit Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Oobit Card
MetaMask, Trust Wallet and Phantom can fund payments without prefunding.
- Card
- Wallet-linked Visa, Virtual only
- Funds control
- Hybrid custody
- Cashback
- 5%–10%
- FX fee
- Up to 3%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC, USDT, USDR +1
- Transfers & payouts
- Bank + Internal transfers
Similar match
USDC collateral stays in a user-owned smart contract until card spend settles.
- Card
- Wallet-linked Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 0% Avici FX fee; Visa may charge 0.4%-1% for non-USD transactions. The U.S. programme publishes 1%.
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto transfers
Similar match
A virtual Visa stablecoin card for iOS and Android, with optional Plasma Earn.
- Card
- Wallet-linked Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 2%–10%
- FX fee
- 0–1% + 1% Visa fee
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + USDG
- Transfers & payouts
- Crypto, Bank + Internal transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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