The Bancorp Bank
Oxygen (debit)
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Card review
Oxygen (debit)
The Bancorp Bank
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$132/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Oxygen (debit) from The Bancorp Bank carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $132.00 in rewards plus $0.00 in credits and perks — $132.00 net per year before welcome bonuses.
How the points work
$1 off Fast Food and Coffee Shops.
Earn up to 6% in respective categories based on the element you subscribe to.
Minimum $10 cashback balance to redeem rewards.
Must activate categories within in the Oxygen mobile app. Only one (1) offer can be activated at a time.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseGaming | 2× |
| GasGas | 2× |
| Everything elseFood Delivery | 2× |
| Everything elsePharmacy | 2× |
| Everything elseRideshares | 2× |
| Everything elseWalmart | 2× |
| Everything elseTrader Joe's | 2× |
| Everything elseShipping | 2× |
| Everything elseThe Container Store | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Cell Phone Protection
Phone coverage for up to $500 per claim and $1000 per twelve month period. Must pay your bill with the card to recieve benefit.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.