The Oobit Card earns Up to 10% cashback on a Visa debit card with no annual fee, available in 75 countries (EEA/UK, US, LATAM, APAC, Africa).
Oobit is a crypto payments app headquartered in Singapore, co-founded in 2017 by CEO Amram Adar and COO Aharon Miller. The app enables tap-to-pay spending of crypto at Visa- and Mastercard-accepting merchants, with merchants settled in fiat. In February 2024, Oobit raised a $25 million Series A led by Tether's investment arm, with participation from CMCC Global's Titan Fund, 468 Capital, and Solana co-founder Anatoly Yakovenko.
The Oobit Card is a crypto debit card offered by Oobit, available in 75 countries (EEA/UK, US, LATAM, APAC, Africa). It offers Up to 10% cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US, Europe, the UK, and Latin America. See where it ranks among the best crypto debit cards.
Oobit Card is offered in 73 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Stablecoin Payments | 5% | Available from Level 1; pay with USDT (the 5X terms also name USDC); paid in XAUT (USDT for US residents); capped at $200/mo of spend ($10 cashback) |
| OOB Payments | 10% | Available from Level 1; pay with OOB token; capped at $5,000/mo of spend ($500 cashback) |
On $500/mo spend, the estimated monthly cost breakdown for Oobit Card is: gas $0.00, conversion spread $5.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $10.00/mo cashback that nets a gain of about $5.00/mo ($60.00/yr). Oobit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds a 1.5% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Oobit is a Singapore-based tap-to-pay app that converts crypto to fiat at the register on the Visa network, and its real momentum is in Latin America. Guatemala and Paraguay became its 10th and 11th LATAM markets in July 2026, joining Brazil, Colombia, and Bolivia, and it integrated Brazil's Pix network for USDT in June 2026. It also launched non-custodial tap-to-pay in the US in December 2025 through Bakkt's licensed infrastructure, connecting wallets like MetaMask, Phantom, and Trust Wallet. Tether led its $25 million Series A in 2024, so USDT spending is the core use case rather than an afterthought.
The cashback is far more restrictive than a headline "up to 10%" suggests. Oobit's own reward terms pay 10% only when you actually pay in OOB tokens, capped at $5,000 of spend (its help centre instead says up to $1,000 of OOB cashback a month, so the two official pages disagree). The stablecoin path pays 5% but caps out at just $200 per month of spend, or $10 of cashback, and the base tier is a 1x-to-5x points system, not a flat percentage. Every reward is locked to in-app tap-to-pay use and cannot be withdrawn or transferred. The "$0 fee" framing also understates costs: Oobit charges 1% per transaction with a $0.25 minimum.
Net, this suits someone in a supported LATAM market who wants to spend USDT day to day and accepts that rewards are small and locked in-app. Watch the OOB-token dependency on the top rate, the tiny $200-per-month stablecoin-cashback cap, and the per-transaction fee. Stablecoin cashback is paid in Tether Gold (XAUT), or in USDT for US residents, per Oobit's help centre, and at least one App Store reviewer reported an account approved and then immediately banned before first use.
Verified user signal is thin. The US App Store listing shows a 4.5 rating across 113 ratings [1]. One December 2025 reviewer reported that after months of waiting his account was approved, he completed the questionnaire, and the account was "immediately banned before ever being used"; Oobit's developer account replied asking him to contact support [1]. Broader themes (suspended cards, deposits not arriving, slow support) came from Trustpilot and review aggregators that could not be fetched and were dropped.
Sources: [1]
Updated 2026-10-24
Note: Up to 10% cashback (10% rate requires PAYING in OOB tokens, capped at $5,000/mo of spend, $500 cashback; stablecoin payments in USDT or USDC earn 5% capped at $200/mo of spend; 5x Rewards points run on a separate 1x-5x ladder). Per Oobit's 5X Reward Terms (updated 19 October 2026), stablecoin and token rewards are available from Level 1, so they no longer require the $250 Level 2 threshold this entry previously recorded. Oobit's help centre says USDT-funded purchases earn 5% paid in Tether Gold (XAUT), or in USDT for US residents, on up to $200 of card spend a month ($10). Oobit's FAQ (read 2026-10-24) agrees with the 5X terms: OOB payments earn cashback on up to $5,000 of spend per calendar month, for a maximum of $500, and other supported tokens on up to $200; an older help-centre figure of up to $1,000 in OOB cashback a month is superseded. Points levels follow cumulative spend within a rolling 90-day cycle. Cumulative spend is recalculated after each qualifying payment and the user moves up to the highest level reached mid-cycle, without resetting the 90-day cycle; at cycle end the next cycle's starting level is set from total cycle spend (1x/$0, 2x/$250, 3x/$500, 4x/$1,000, 5x/$1,500). 1% transaction fee (min $0.25). Oobit's fee page (read 2026-11-01) says the card is denominated in USD and payments in other currencies may incur a 1.5% conversion fee. The card is virtual only. Oobit's help centre describes it as a card with crypto used as collateral, issued by Rain, a Visa Principal Member; new customers in Brazil get a local card issued by Pomelo. Vietnam is on a card waitlist. DePay wallet payment layer launched October 2025 lets users connect any supported self-custody wallet directly and spend without preloading or moving funds custodially. Founded 2017, backed by Tether. Strong presence in Thailand and Southeast Asia. 4.8 App Store rating across 22K+ reviews. July 2026: expanded to Guatemala and Paraguay (11 LATAM markets total). April 30, 2026: launched Agent Cards, Visa virtual corporate cards that let AI agents spend USDT autonomously from a company's Oobit Business treasury (KYB-verified businesses only, founding-partner cohort, pricing per engagement, not available to consumers). Brazil is largest market (61% of users). Avg spend/user $1,168/mo (June 2026). Native Pix payments launched in Brazil July 1, 2026 (send crypto to any Pix key, instant Pix deposits). October 2026: launched AI Payments for consumers (oobit.com/agent-cards, read 2026-10-15): an existing Oobit user connects their account to a supported AI assistant (Muse, Grok Bot and Dots; Instinct listed as coming soon), approves each purchase, and the assistant pays with a one-time card valid for that purchase only, funded from the user's stablecoins; the page says Oobit is available in the US and 75+ countries (The Paypers: eligible users in more than 75 countries). The launch was reported on 9 October 2026 (The Paypers).
Other crypto cards in the same region or category that may suit your spending profile:
The Oobit Card is a crypto debit card offered by Oobit. It is available in 75 countries (EEA/UK, US, LATAM, APAC, Africa) and allows users to spend cryptocurrency at merchants worldwide.
The Oobit Card offers Up to 10% cashback. There are 2 tiers: Stablecoin Payments (5%), OOB Payments (10%).
The Oobit Card has an annual fee of $0. Additional fees: Conversion fee: 1% (min $0.25); FX fee: Up to 1.5% conversion fee on payments in other currencies (card is denominated in USD); ATM: 2.5%, minimum $0.25 (Brazil: no minimum); ATM operator may add its own charge.
The Oobit Card has the following limits: daily spending limit: USD 25,000 (rolling 24 hours, most cards; USD 2,000 max per purchase); daily ATM withdrawal limit: USD 250 per withdrawal, up to 3 attempts per 24 hours. Limits can vary by account tier and verification level.
Supported assets include BTC, ETH, USDT, USDC, SOL, DOGE, BCH, XRP, SHIB, AVAX, LTC, BONK, ADA, TRUMP, BNB, TRX, OOB; top-up methods include Buy crypto in-app with a credit card (from $10), Transfer crypto from an external wallet or exchange; crypto deposits are supported on Ethereum, Tron, Polygon, Solana.
Yes. Oobit requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Oobit Card is available in Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Kazakhstan, Kyrgyzstan, Malaysia, Philippines, Saudi Arabia, South Korea, Taiwan, Thailand, United Arab Emirates, Bahamas, Costa Rica, Dominican Republic, Greenland, Guatemala, Mexico, Panama, Puerto Rico, United States, Argentina, Brazil, Chile, Colombia, Ecuador, Paraguay, Peru, Uruguay, Kenya, South Africa, Tanzania, Australia, New Zealand, according to the provider's published list.
The Oobit Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Oobit Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.