Oobit Spend Card
Oobit · Visa · prepaid · Custodial
Oobit Spend Card does not publish its cashback terms; net value is computed on fees only, so at $1,000/month spend the card costs $120 a year. According to Cardefi data, 5 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.
- Cashback at your stake
- not disclosed
- Min. stake for rewards
- —
- Annual fee
- $0
- FX fee
- 3.0%
- Net value / yr
- −$120 at $1,000/mo spend
- Break-even
- — not computed: cashback rate not published
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Standard | Standard | not disclosed | −$120 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | not disclosed | — |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 3.0% + 1.0% × $3,000 | −$120 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$120 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.
| Annual fee | $0 / year1 source“Yes. With Oobit, creating and holding a card is free.”[2] · landing · captured 5 Sep 2026 |
| Monthly fee | $0 / month1 source“Yes. With Oobit, creating and holding a card is free.”[2] · landing · captured 5 Sep 2026 |
| Card issuance | $01 source“Yes. With Oobit, creating and holding a card is free.”[2] · landing · captured 5 Sep 2026 |
| Foreign transaction (FX) | 3.0%"up to 3%" on non-USD; cross-border up to 3%1 source“Foreign Exchange Fee (non USD): up to 3%”[1] · legal · captured 5 Sep 2026 |
| Crypto conversion / spread | 1.0%Oobit transaction fee of $0.25 or 1% (whichever is greater) on every operation1 source“Oobit Transaction fee $0.25 or 1% (whichever is higher) per transaction.”[1] · legal · captured 5 Sep 2026 |
| ATM withdrawal | — not disclosedWithdrawals advertised (contactless ATM), fee not in the table |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Standard | not disclosed · None · Cap: not disclosed · Paid in Crypto1 source“Learn how you can earn up to 10% off with Oobit”[2] · landing · captured 5 Sep 2026 |
Limits
| Spend per month | — not disclosedLimit set by Oobit and the issuer |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- ATM withdrawal. Withdrawals advertised (contactless ATM), fee not in the table
- rate. "Learn how you can earn up to 10% off with Oobit"; rate table not captured
- Spend per month. Limit set by Oobit and the issuer
Sources
3 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- www.oobit.com/legal/rain-card-terms · legal · 5 Sep 2026
- www.oobit.com/crypto-card · landing · 5 Sep 2026
- www.oobit.com/faq · landing · 6 Sep 2026
Report a wrong figure
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does Oobit Spend Card charge on foreign currency?
- Oobit Spend Card adds 3.0% on transactions in a currency other than the account currency.
- Does Oobit Spend Card charge an annual fee?
- The annual fee for Oobit Spend Card is $0.
- Does Oobit Spend Card work with Apple Pay or Google Pay?
- Oobit Spend Card works with Apple Pay and Google Pay.
- Who holds the funds behind Oobit Spend Card?
- The issuer does. Spending on Oobit Spend Card draws on a balance held by the provider, not in a wallet you control.
- Does Oobit Spend Card require identity verification?
- Yes. Oobit Spend Card requires full identity verification before the card can be used.