Cashbackpacker / Cards / Oobit
Oobit: what it really pays a traveller
Best result on our standard traveller profile: −$4.76 a month kept on the Level 5 ($1,500+ spend per 90 days) plan in United States, a real rate of −0.24% against 5.5% advertised.
Rank by country, standard traveller profile
| Country | Rank | Plan | Kept a month | Real rate |
|---|---|---|---|---|
| Slovakia | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Czechia | #16 of 18 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Germany | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Austria | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Poland | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| United Kingdom | #14 of 16 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| France | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Spain | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Italy | #17 of 19 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| Netherlands | #15 of 17 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| United Arab Emirates | #15 of 16 | Level 5 ($1,500+ spend per 90 days) | −$35.81 | −1.80% |
| United States | #11 of 13 | Level 5 ($1,500+ spend per 90 days) | −$4.76 | −0.24% |
Profile: $1,500 a month card spend at home, 4 trips a year at $800 in local currencies, 6 flights at $450, paid plans allowed, flights booked through the card's own travel channel. How the number is made.
Plans and fees
| Plan | Cost | Cashback bands (per month) |
|---|---|---|
| Level 1 (under $250 spend per 90 days) | Free | 0.1% above |
| Level 2 ($250+ spend per 90 days) | Free | 5.2% on the first $200, 0.2% above |
| Level 3 ($500+ spend per 90 days) | Free | 5.3% on the first $200, 0.3% above |
| Level 4 ($1,000+ spend per 90 days) | Free | 5.4% on the first $200, 0.4% above |
| Level 5 ($1,500+ spend per 90 days) | Free | 5.5% on the first $200, 0.5% above |
Spending abroad
Up to 1.5% + 1% per payment
Good
- Spend straight from a connected self-custody wallet
- Available in most countries, including the US
- Apple Pay and Google Pay
Watch out
- 1% fee on every payment (minimum $0.25), plus up to 1.5% on non-USD spend
- Beyond the first $200 a month, rewards are 0.1% to 0.5%, below the 1% payment fee
- Rewards can only be spent on Oobit payments and cannot be withdrawn
What card holders say on X
Mixed: 2 positive, 2 negative, 1 neutral of 5 public posts, 2026-08-25 to 2026-10-25.
Praised: Good cashback, Consistent use, Simple spending. Complaints: High fees, Strict requirements, Inactivity cancel.
- "Consistent good cashback" @elliotwrit3s on X ↗
- "Simple spending nice cashback" @vincebevilaqua on X ↗
- "High fees low cashback value" @0akash0x on X ↗
- "Cards cancel if unused" @Aisiverto on X ↗
Public X posts from the last 60 days, found with xAI Grok X Search. Each post is classed positive, negative or neutral about card quality: cashback actually paid, approvals, declines, support, fees and FX. Brand accounts and referral posts are left out. Every linked post was checked to exist on the day. The mood never changes the ranking.
Availability and Curve
73 countries. Source: Card Map (official list), checked 2026-10-03. Curve Pay: does not work (Issued outside the UK/EEA, so Curve cannot add it).
Questions
How much cashback does Oobit really pay?
On our standard traveller profile ($1,500 a month at home, 4 trips at $800 in local currencies, 6 flights at $450), Oobit keeps −$4.76 a month on the Level 5 ($1,500+ spend per 90 days) plan in United States, a real rate of −0.24% after fees and FX. The advertised top rate is 5.5%.
Where is Oobit available?
Oobit is available in 73 countries, by Card Map (official list) (checked 2026-10-03).
What does Oobit cost to use abroad?
Up to 1.5% + 1% per payment
Does Oobit work with Curve Pay?
No. Issued outside the UK/EEA, so Curve cannot add it.
What do card holders say about Oobit on X?
Over the last 60 days we classed 5 public posts: 2 positive, 2 negative, 1 neutral (mixed). Praised: Good cashback, Consistent use, Simple spending. Complaints: High fees, Strict requirements, Inactivity cancel.