In 5x Rewards you have a level from 1 to 5, based on how much you've spent with your card in the last 90 days. The 90 days move forward every day, so spending older than 90 days stops counting. Spend more and your level goes up. If your spending drops, your level can go down.
Level | Card spend in 90 days | Points per $1 | Cashback |
1 | $0 | 1 | Yes |
2 | $250 | 2 | Yes |
3 | $500 | 3 | Yes |
4 | $1,000 | 4 | Yes |
5 | $1,500 | 5 | Yes |
Cashback rates
Card purchases funded with USDT: 5% back, paid in Tether Gold (XAUT). US residents receive it in USDT.
Card purchases funded with OOB: 10% back, paid in OOB.
Limited-time promotions sometimes add cashback on other assets.
Monthly limits
USDT: cashback applies to up to $200 of card spending each month, so you can earn up to $10 a month.
OOB: up to $1,000 in cashback each month.
Cashback is added when you make the purchase, confirmed once the payment completes, and canceled if the payment fails. It goes into your rewards balance, which you can use on card purchases but can't withdraw.
Not getting cashback?
Your payment is still pending. Cashback shows as pending and is credited once the payment completes.
You've reached this month's limit.
Cashback is temporarily paused in your country. Points still work, and cashback resumes automatically.
You use Oobit inside a partner app, where rewards aren't available.
Neither USDT nor USDC is available where you live. Rewards are paid in these assets, so they aren't available to you.