Oobit Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(467 reviews)Independently reviewed by Mihail B. · how we verify
Get Oobit CardCard Overview
2% base cashback in USDT on Visa swipes worldwide, no staking, no minimum spend. That base rate is one of the more transparent in the category. The 'up to 10%' advertised in marketing requires paying with OOB tokens and participating in the OOB Rewards program. OOB trades on a small number of exchanges with limited liquidity, so reaching 10% means meaningful speculative exposure to a small-cap token rather than a passive opt-in. A 1% transaction fee applies to every card payment with a $0.25 minimum, and standard Visa FX stacks on top for non-domestic purchases. Custody is self-custody via wallet connection. MetaMask, Phantom, and Trust Wallet are all supported, with no pre-loading needed. Funding covers USDT, BTC, ETH plus 25+ assets via the DePay rail across Ethereum, Tron, BSC, Solana, and Polygon. The card runs at 150+ million Visa merchants, with KYC mandatory via Sumsub. Available across Europe, the US, Canada, Australia, plus parts of Asia and Latin America. Best fit: stablecoin holders who want a clean 2% rail. Avoid if the 10% headline was the reason you considered it.
Oobit Card delivers industry-leading rewards with up to 10% instant cashback in stablecoins on eligible token transactions, automatically credited to your account after every purchase. Connect your existing MetaMask, Phantom, or Trust Wallet for true self-custody spending of USDT, Bitcoin, Ethereum, and other major cryptos at 150+ million Visa merchants worldwide. With zero fees on eligible transactions, instant crypto-to-fiat conversion at checkout, and wallet integration backed by Tether's security, Oobit combines exceptional cashback with complete control, perfect for wallet-native users who want to maximize rewards while maintaining custody of their digital assets through trusted platforms like MetaMask and Phantom.
Sweepbase verdict: Oobit Card stands out for its 2% cashback rewards and true self-custody — your keys remain yours until the moment of purchase — a solid fit for DeFi users and privacy-focused holders who want full control of their keys. There aren't many obvious drawbacks in our assessment.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 1% transaction fee on all card payments (min $0.25); standard Visa FX on international |
| ATM Limit | Available |
| Spending Limit | Based on wallet balance |
These figures can change. Confirm the current fees, FX and network in Oobit’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: USDT, BTC, ETH and major stablecoins; works with MetaMask, Phantom, Trust Wallet
- Available Countries: Australia, Austria, Bahamas, Belgium, Bosnia and Herzegovina, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Indonesia, Italy, Jamaica, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Malaysia, Malta, Moldova, Montenegro, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Pakistan, Philippines, Poland, Portugal, Romania, Saudi Arabia, Serbia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates, United Kingdom, United States, Uzbekistan, Vietnam
Banking & Fiat Rails
SEPA rail supported for transfers; dedicated IBAN not advertised as standard
Supported Cryptocurrencies
You can load the Oobit Card with 3 cryptocurrency tokens. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Ethereum, Tron, BNB Smart Chain, Solana, Polygon (25+ assets, non-custodial via DePay)
Who Is the Oobit Card Best For?
The Oobit Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The Oobit Card pays 2% base cashback in stablecoins (USDT) with no staking required — this base rate is genuine and competitive. The 'up to 10%' requires participation in the OOB Rewards program, which involves holding OOB tokens. OOB is a small-cap token on limited exchanges; the jump from 2% to 10% requires significant speculative token exposure. The 2% stablecoin base is one of the more transparent offerings in the crypto card space. Realistic cashback for a typical user: 2% in stablecoins (honest). Up to 10% requires OOB token holding. cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Global; 150+ million Visa merchants, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 2% base cashback in stablecoins (USDT) with no staking required — this base rate is genuine and competitive. The 'up to 10%' requires participation in the OOB Rewards program, which involves holding OOB tokens. OOB is a small-cap token on limited exchanges; the jump from 2% to 10% requires significant speculative token exposure. The 2% stablecoin base is one of the more transparent offerings in the crypto card space. Realistic cashback for a typical user: 2% in stablecoins (honest). Up to 10% requires OOB token holding. cashback
- DeFi users who want to hold their own keys
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Oobit Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Up to 10% instant cashback; self-custody wallet integration; no fees on eligible crypto; Tether partnership
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Available in most countries
Cons
- Cashback limited to eligible tokens; requires compatible self-custody wallet; newer platform with limited track record
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Oobit Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Oobit account
~5 minutesGo to the Oobit website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Oobit verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with USDT, BTC, ETH and major stablecoins; works with MetaMask, Phantom, Trust Wallet through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Oobit Card shows up in the Oobit app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Oobit Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Oobit website to confirm before you apply.
Available in these regions:
Frequently Asked Questions
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