Image: Oobit

Oobit Card review: fees, cashback and limits

Name: Oobit Card
Brand: Oobit

Tap to pay straight from MetaMask, Trust Wallet or Phantom, with up to 10% back.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

6.1out of 10

Quick answer

Oobit is a virtual Visa for Apple Pay and Google Pay that can spend straight from a connected wallet like MetaMask, Trust Wallet or Phantom, or from an in-app balance. It works in the US and much of Europe. There's no annual fee, but each payment costs 1% or $0.25, whichever is higher, and non-USD spending can cost up to about 3%. After $250 of spending, cashback unlocks: 5% in USDT on up to $200 a month, or 10% in OOB.

Oobit at a glance

Best for	Wallet users who want to tap to pay with crypto without moving it to an exchange.
Skip it if	You spend mostly in non-USD currencies, where fees are high.
Network	Visa
Card issuer	Rain
Custody	Hybrid. Connected wallets stay self-custody. In-app balances are held by Oobit.
Card type	Spend card
Virtual or physical	Virtual (Apple Pay and Google Pay)
Cashback	5% in USDT or 10% in OOB
Annual fee	None
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	The US (including New York since June 2026) and many EEA countries.

Oobit fees

Card cost	Free
Annual or membership fee	None
FX and cross-border	Up to 3% on non-USD purchases (about 3.1% in testing)
Crypto conversion	1% or $0.25 per payment, whichever is higher
ATM withdrawals	2.5%, max $250 per withdrawal, 3 a day

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Oobit app for your country before you load money. To see what Oobit would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Oobit

$1.00Paid from stablecoins in the card's own currency

$4.00Paid from stablecoins in a foreign currency

$1.00Paid from other crypto, like BTC or ETH

$5.00Cashback on $100, Level 2 tier

These are Oobit's own fees on the Level 2 tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 3% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 1 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #12 of 20 in United States #19 of 36 in Europe (EEA)

Cashback and rewards

Unlocks at Level 2, after $250 of tap-to-pay spending in a 90-day cycle
5% in USDT on up to $200 of monthly spend, or 10% in OOB on up to $10,000
Paid in 1 to 3 days

Deposits and withdrawals

How to top up

Connect MetaMask, Trust Wallet or Phantom with WalletConnect
Or hold an in-app balance

Fees: No top-up fee. The per-payment fee applies.

How to withdraw

Connected wallets stay in your control
ATM withdrawals

Fees: ATM 2.5%.

Supported assets: 20+ assets including stablecoins, BTC, ETH, Tether Gold and OOB.

Where Oobit works

The US (including New York since June 2026) and many EEA countries.

Not available in China, Hong Kong, India, Japan, Singapore, Turkey, Egypt or Kenya.

United StatesEurope (EEA)

Limits and perks

Limits

$10,000 a day (dynamic)

Perks

Points worth $1 per 1,000

Pros and cons

What's good

Pay directly from a self-custody wallet
Works in the US and Europe
High cashback once unlocked

What's not

1% minimum per-payment fee
Up to about 3% on non-USD spending
Cashback needs $250 of spending to unlock
Virtual only

Our take on Oobit

Oobit's big idea is tap-to-pay from your own wallet. Connect MetaMask, Trust Wallet or Phantom, add the virtual Visa to Apple Pay or Google Pay, and pay without moving funds to an exchange. You can also hold an in-app balance if you prefer.

Each payment costs 1% or $0.25, and non-USD purchases came out around 3% in testing, so it's best for USD spending. Once you've spent $250, cashback unlocks at 5% in USDT on up to $200 a month, or 10% in OOB on much more, though OOB's value can swing.

Clever and convenient for US wallet users. Too expensive for travel.

How we scored Oobit: 6.1/10

Methodology

Fees 30%

4 1% per payment and up to 3% on non-USD.

Rewards 20%

7 5% in USDT or 10% in OOB after unlocking.

Control 20%

7 Pay from a self-custody wallet.

Reach 15%

7 US and much of Europe.

Flexibility 15%

7 20+ assets and several wallets.

Oobit FAQ

How much does the Oobit Card cost?

Free. Annual or membership fee: None.

Does Oobit have cashback?

5% in USDT or 10% in OOB. Unlocks at Level 2, after $250 of tap-to-pay spending in a 90-day cycle.

What are the Oobit FX and ATM fees?

FX: Up to 3% on non-USD purchases (about 3.1% in testing). ATM: 2.5%, max $250 per withdrawal, 3 a day.

Where is Oobit available?

The US (including New York since June 2026) and many EEA countries. Not available in China, Hong Kong, India, Japan, Singapore, Turkey, Egypt or Kenya.

Is Oobit self-custody?

Hybrid. Connected wallets stay self-custody. In-app balances are held by Oobit.

Sources

SpendNode: Oobit reviewFees, cashback, issuer, countries, verified Sep 27, 2026
cryptocards.so: OobitCross-check

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.