Sole proprietors to established businesses (LLC, C Corp/ S Corp) trust Oxygen to run their small business.

5% Cashback1

Earn 5% cashback on categories like Gas, Rideshare, Shipping and more. Plus $1 off your coffee for those late nights and early mornings.

No monthly, minimum balance or ACH Fees to hold you back

1.00% Business Savings2

Earn 1.00% APY with a Business Savings account. Putting money away for a business expansion or unforeseen expenses. Set up separate savings Goals for different savings categories.

Secure Virtual Cards

Control expenses in real time by dollar amount, time period and merchant. Share with employees for ad hoc expenses and make sure they stay on budget.

Open a new Oxygen Business Account via Web or Mobile App

Fund the account $1,000 or more and make 5 debit purchase transactions with the Oxygen Visa® card to receive the $100 cash bonus. 


Must fund within 30 days of account opening and maintain the balance for 30 days. Debit transactions must settle within 60 days of account opening. 

Fund the account $10,000 or more and make 5 debit purchase transactions with the Oxygen Visa® card to receive the additional iPad on us.


Must fund within 30 days of account opening and maintain the balance for 30 days. Debit transactions must settle within 60 days of account opening. 

B  A  N  K  I  N  G      F  O  R      T  H  E      E  X  T  R  A  O  R  D  I  N  A  R  Y  ® 

Banking Services provided by The Bancorp Bank, N.A, Member FDIC. The Oxygen Visa® Business Debit Card is issued by The Bancorp Bank, N.A, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

*In order for the Brex (the “Referrer) referred small business (the “Referee”) to qualify for and receive the initial $100.00 referral reward (“Initial Reward”) as described below, the following conditions must be met: 1) Referee must deposit $1,000.00 or greater into the Oxygen Business Deposit Account within 30 days of account opening and maintain that balance for 30 days  2) make at least least five (5) debit purchase transactions (“Qualified Spend”) with the Oxygen Visa® Business Debit Card that have posted and settled to the Oxygen Account within sixty (60) calendar days of opening the Account. Qualified Spend transactions mean settled debit purchase transactions on the Oxygen Visa® Debit Card. Bank ACH transfers, Oxygen Bill Pay payments, Oxygen Friends transfers, peer to peer transfers to services such as PayPal, Cash App, or Venmo, and ATM and over the counter transactions do not constitute qualified spend transactions. 3.) Referee must be a new Oxygen accountholder with no current or prior Oxygen Business account (“Oxygen Business Account”); 4) The Referee must use the unique referral link to successfully download the application on mobile and/ or apply on web and be approved for an Oxygen Business Account. Offer is only available to existing Brex small businesses in good standing. Failure to meet any of the above criteria will result in an unsuccessful referral.

Initial Rewards will be paid within 15 business days upon successful completion of the above qualifications. 

In order for the Referee to qualify for and receive an additional bonus iPad (“Qualified Referral”) with A13 bionic chip, 64GB storage, TrueTone and Retina Display ($329 retail value) and free invoicing for life, the following qualifying activity must be met : 1) Referee must deposit $10,000.00 or greater into the Oxygen Business Deposit Account within 30 days of account opening and maintain that balance for 30 days  2) make at least least five (5) debit purchase transactions (“Qualified Spend”) with the Oxygen Visa® Business Debit Card that have posted and settled to the Oxygen Account within sixty (60) calendar days of opening the Account. Qualified Spend transactions mean settled debit purchase transactions on the Oxygen Visa® Debit Card. Bank ACH transfers, Oxygen Bill Pay payments, Oxygen Friends transfers, peer to peer transfers to services such as PayPal, Cash App, or Venmo, and ATM and over the counter transactions do not constitute qualified spend transactions. 3.) Referee must be a new Oxygen accountholder with no current or prior Oxygen Business account (“Oxygen Business Account”); 4) The Referee must use the unique referral link to successfully download the application on mobile and/ or apply on web and be approved for an Oxygen Business Account. Offer is only available to existing Brex small businesses in good standing. Failure to meet any of the above criteria will result in an unsuccessful referral. Free invoicing for life means no monthly or annual fees associated with accessing the product. Fees for payment processing etc. will still apply.  

The $329.00 Retail Value Ipad will be mailed within 15 business days upon successful completion of the Qualified Referral qualifications. 

If the Referee closes their Account for any reason prior to the referral reward payout, Referee will forfeit all related rewards. 

Referee acknowledges that payment of the reward may result in the Referrer’s knowledge of Referee’s establishment of an Account and fulfillment of the qualifying conditions. Oxygen reserves the right to modify the reward offer terms or terminate the Customer’s eligibility at any time with or without prior notice. Credits of $10 or more paid to the Referee must be reported on tax form 1099-INT. Credits totaling $600 or more paid to Referee must be reported on tax form 1099-MISC.

Offer valid until November 15th, 2022. 


For Business cashback rewards, please refer to Cashback Terms and Conditions for details.

1.00% APY applies to your business savings account and balances of $20,000 or less. APYs current as of 02/10/22. Please refer to Oxygen - Bancorp Business Savings Agreement for details.

LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected.

All trademarks and brand names belong to their respective owners.





Business invoicing


Nationwide LLC, S-Corp, C-Corp Creation


Deposit checks and pay vendors


Connect Oxygen to your favorite apps

Oxygen welcomes Brex Small Businesses to our award-winning platform

Earn up to $429*

When you open an Oxygen Business deposit account and meet qualifying requirements.

5% Cashback on categories you want. High Yield Savings and seamless tools to run your business.

Built for the 21st Century economy. For those building it. Create custom invoices, manage projects and get paid fast.

Available on all iOS, Android and desktop Web devices.

How to get your bonus up to $429*

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Apply for a Business Account in 3 minutes. No credit check or fees to apply.

Apply now

Apply for a Business Account in 3 minutes. No credit check or fees to apply.

Apply now