When you refer a friend to Oxygen, you can both earn rewards. To receive a refer-a-friend bonus, the person receiving a referral must have a qualified payroll direct deposit of $500 or more, and their account must have at least five posted and settled debit purchase transactions using their Oxygen Visa® Debit Card (including virtual card purchases).

When these criteria are met, both the refer-a-friend sender and receiver will earn a $100 referral bonus.

For questions or more information about qualifying direct deposits

Please visit our refer-a-friend terms and conditions.

To send a refer-a-friend invite, log in to your account and go to “More” > “Referral.” From there, you can send someone a unique referral link.

To start earning, you must open a new Oxygen deposit account using a referral link from a current Oxygen customer.

Please note that i​f you're signing up on a mobile device, you'll need to download the Oxygen app via the referral link. If the Oxygen app is already downloaded to your phone before clicking the referral link, you must delete the Oxygen app from your phone and download it again via the referral link to sign up.

You can earn up to $1,000 in Oxygen refer-a-friend rewards in a 6-month period.

A $100 qualified refer-a-friend bonus will be paid within 10 business days to both parties after all of the qualifications for the bonus have been met by the referee within 60 calendar days of opening their account.

If you haven't received your referral bonus after all qualifications and time frames have been met, please contact customer support at 866-287-7021, support@oxygen.us, or chat with us on our mobile or web app.