Oobit Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | Up to 1.5% on non-USD purchases, on top of the 1% transaction fee charged on every payment (minimum $0.25) |
| ATM limit | 2.5% fee; up to $250 per withdrawal and 3 withdrawals per day, at contactless ATMs by tapping the phone |
| Spending limit | Up to $10,000 per day |
Fees change; the current ones are in Oobit’s terms.
Features
- Cashback: Points (0.1-0.5% typical)
The fine print
- Two programmes
- Points: 1x to 5x per dollar by cumulative spend (levels start at $0, $250, $500, $1,000 and $1,500), converted at 1,000 points = $1 in USDT (USDC in the EEA), so 0.1% to 0.5%
- Cashback: 'up to 10%' depending on the asset paid with and current promotions, paid in XAUT on USDT payments and in OOB on OOB payments
- It applies to the first $200 of payments a month with USDT or other tokens and the first $10,000 a month with OOB
- Every card payment costs 1% (minimum $0.25)
- KYC: Yes
- Card type: Virtual only, used through Apple Pay and Google Pay; cash at contactless ATMs by tapping the phone
- Top up with: USDT, BTC, ETH and major stablecoins; works with MetaMask, Phantom, Trust Wallet
- Available countries: Global except Afghanistan, Belarus, Central African Republic, China, Cuba, Ethiopia, Hong Kong, Iran, Iraq, Lebanon…
Full list
… Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
Who issues the Oobit Card
The Oobit Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Oobit Card with crypto; the 3 assets we track for it are listed below.
Pros and cons
Pros
- Pays from a connected self-custody wallet (MetaMask, Trust Wallet, Phantom, Base) with no pre-loading
The fine print
- Apple Pay and Google Pay
- Phone-tap ATM cash
- No fee to open or hold the card
- 0% APR on the card
- Earn 0.5% cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Banking rails: SEPA support
- Multi-chain top-up across 5+ networks
Cons
- 1% fee on every payment (minimum $0.25) plus up to 1.5% on non-USD
The fine print
- Points worth 0.1% to 0.5%
- The 'up to 10%' cashback covers only $200 of payments a month unless you pay with the OOB token
- ATM cash costs 2.5% and is capped at $250 per withdrawal
- Virtual only
Regional availability
Available worldwide
Worldwide except China, Hong Kong, Russia and 19 other countries Oobit lists as not supported; Tap to Pay is not available in every supported country.
Banking and fiat rails
Card overview
Oobit's rewards need translating before you compare them. The base programme is points: 1x to 5x per dollar as your cumulative spend grows, at 1,000 points to one USDT (USDC in the EEA), so 0.1% to 0.5% back. The 'up to 10%' advertised in marketing is a separate cashback that depends on the asset you pay with and current promotions: paid in XAUT on USDT payments, it covers only the first $200 of payments a month unless you pay with OOB tokens, so chasing 10% means paying with OOB, Oobit's own small-cap token.
A 1% transaction fee applies to every card payment with a $0.25 minimum, and non-USD purchases add up to 1.5% on top. The card is a virtual Visa used through Apple Pay and Google Pay, and cash comes from tapping your phone at contactless ATMs, for 2.5% and at most $250 a withdrawal. 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 works wherever Visa is accepted, with KYC mandatory via Sumsub. Available worldwide except 22 countries Oobit lists as unsupported, among them China, Hong Kong and Russia. Best fit: self-custody wallet users who want to pay from their own wallet and accept a 1% fee for it.
Avoid if the 10% headline was the reason you considered it.
Common questions about the Oobit Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
