Oobit
A self-custody Visa card that pays cashback in USDT (USDC in the EEA). No yearly fee. Every purchase costs 1% to convert your crypto, plus 1.5% outside US dollars.
Short answer: At $2,000 a month in the US, fees and FX cancel out Oobit’s cashback, so it pays back nothing. It advertises up to 5.5% cashback. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Visa
- Credit
- Apple Pay and Google Pay
- Cashback in stablecoins
- Self-custody
- Free plan
All amounts in US dollars
$0.00 a month
Advertised up to 5.5% , real cashback rate 0.0%, on the Level 5 ($1,500+ spend per 90 days) plan
$20.00 cashback$0.00 card fees$20.00 FX and other fees
Sign-up bonus: new users who join through our link get $500 of fee-free spending in their first 60 days.
Affiliate link: we may earn a commission if you sign up.
Pick a plan
Level 1 (under $250 spend per 90 days)
Free, 0.1% on everything
−$18.00 a month, −0.9%
Level 2 ($250+ spend per 90 days)
Free, 5.2% on the first $200, then 0.2%, from $85 a month in spend
−$6.00 a month, −0.3%
Level 3 ($500+ spend per 90 days)
Free, 5.3% on the first $200, then 0.3%, from $170 a month in spend
−$4.00 a month, −0.2%
Level 4 ($1,000+ spend per 90 days)
Free, 5.4% on the first $200, then 0.4%, from $340 a month in spend
−$2.00 a month, −0.1%
- Pays the most
Level 5 ($1,500+ spend per 90 days)
Free, 5.5% on the first $200, then 0.5%, from $510 a month in spend
$0.00 a month, 0.0%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 3.3% | Level 3 ($500+ spend per 90 days) |
| $500 | 1.4% | Level 4 ($1,000+ spend per 90 days) |
| $750 | 0.83% | Level 5 ($1,500+ spend per 90 days) |
| $1,000 | 0.5% | Level 5 ($1,500+ spend per 90 days) |
| $1,500 | 0.17% | Level 5 ($1,500+ spend per 90 days) |
| $2,000 | 0% | Level 5 ($1,500+ spend per 90 days) |
| $2,500 | −0.1% | Level 5 ($1,500+ spend per 90 days) |
| $3,000 | −0.17% | Level 5 ($1,500+ spend per 90 days) |
| $4,000 | −0.25% | Level 5 ($1,500+ spend per 90 days) |
| $5,000 | −0.3% | Level 5 ($1,500+ spend per 90 days) |
| $6,000 | −0.33% | Level 5 ($1,500+ spend per 90 days) |
| $7,500 | −0.37% | Level 5 ($1,500+ spend per 90 days) |
| $10,000 | −0.4% | Level 5 ($1,500+ spend per 90 days) |
Every fee
There’s no yearly or monthly fee. Every purchase, in any currency, costs 1% to convert your crypto. Outside US dollars, spending costs 2.8%, Visa’s exchange rate included.
- Yearly fee
- None
- FX fee
- Up to 1.5% on non-USD spend
- Conversion fee
- 1% per payment (minimum $0.25)
- Topping up
- Pay from a connected self-custody wallet or the in-app wallet
- ATM withdrawals
- 2.5% per withdrawal at contactless ATMs
- Card issue
- Free
- Monthly fee
- $0
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Oobit's published terms, checked . Where sources disagree, we go with the less generous reading.
What's good and what to watch
Good
- Spend straight from a connected self-custody wallet
- Available in most countries, including the US
- Apple Pay and Google Pay
- 5% back on the first $200 of stablecoin spend each month from Level 2
- 10% token rewards if you pay in OOB
Watch
- 1% fee on every payment (minimum $0.25), plus up to 1.5% on non-USD spend
- Beyond the first $200 a month, rewards are 0.1% to 0.5%, below the 1% payment fee
- Rewards can only be spent on Oobit payments and cannot be withdrawn
- The 10% rate needs you to buy and spend the volatile OOB token
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- credit
- Form
- virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- EthereumBNB Smart ChainSolanaPolygon
- Tokens
- USDTUSDCUSDREURRXAUTBTCETHSOLBNBTRXXRPTONOOB
- Availability
- 74 countries on Oobit's own list (not Canada, Singapore, Hong Kong or India), United States (with Bakkt since 8 Dec 2025)
- Not offered in
- Hong Kong, Indonesia, Israel, Japan, Nigeria, Singapore and Turkey
- KYC
- Required (most accounts verified in minutes, up to 24 hours)
- Extra rewards
- Points program
- Funding
- Connected self-custody wallet (MetaMask, Trust Wallet, Phantom, Base)Oobit in-app wallet
- Spending limit
- Up to $10,000 a day
- ATM limit
- Up to $250 per withdrawal, 3 withdrawals per card a day
Perks and benefits
- Purchase protectionOobit's card page says it is a Visa Platinum card with price protection, purchase protection, extended warranty and auto rental cover. The card terms do not list these benefits.
- Offers & credits10% token rewards on purchases paid in OOB, on up to $10,000 of spend a month (Level 2 and above)
Compare it and read more
Compare Oobit
Open to people in
Sign-up bonus: new users who join through our link get $500 of fee-free spending in their first 60 days.
Affiliate link: we may earn a commission if you sign up.
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.