OKX US Card Cashback

Published on Oct 27, 2026

1. General

1.1 These Terms and Conditions ("Cashback Terms") govern the OKX Card Cashback Program ("Program") offered by OKX INC.

1.2 These Cashback Terms, as amended from time to time, supplement and are in addition to the U.S. Terms of Service (the "Terms of Service") and the Terms and Conditions of the OKX Card. The Terms of Service shall continue to apply to these Cashback Terms and are incorporated by reference herein. In the event of any conflict or inconsistency between these Cashback Terms or the Pay Wallet Terms on the one hand, and the Terms of Service on the other hand, these Cashback Terms control with respect to any provision related to the Program and the Terms of Service controls in all other respects.

1.3 By participating in the Program, you agree to be bound by these Cashback Terms. If you do not agree, you may not participate in the Program.

1.4 The Program commences on the Effective Date and continues until terminated by OKX in accordance with clause 8.

1.5 OKX may amend these Cashback Terms at any time. We will use reasonable efforts to notify you of material changes via the OKX App or by email. Your continued participation in the Program after any amendment constitutes acceptance of the amended terms.

1.6 All references to dollar amounts in these Cashback Terms are in US dollars unless otherwise stated.

2. Eligibility

2.1 The Program is open to all OKX Card holders who meet the following criteria:

  • you hold a valid and active OKX Card;

  • you hold an active OKX Pay Wallet;

  • your OKX account is in good standing and is not suspended, restricted or under investigation;

  • you are 18 years of age or older; and

  • you are a resident of the United States

2.2 You are not eligible to participate in the Program if:

  • your OKX account has been terminated or suspended;

  • you are a resident of a jurisdiction in which OKX does not offer its services;

  • you are the subject of any legal proceedings, insolvency or bankruptcy action; or

  • OKX has determined, in its reasonable discretion, that your participation in the Program would be contrary to any applicable law, regulation or OKX policy.

2.3 OKX reserves the right to verify your eligibility at any time and to exclude you from the Program if you do not satisfy the eligibility criteria.

3. Cashback Mechanics

3.1 Eligible Card transactions will earn cashback at the applicable rate set out in clause 4 below.

3.2 Cashback is calculated on the USD-equivalent transaction amount (after the card scheme's foreign exchange conversion, if applicable) and before the application of the OKX conversion spread.

3.3 Cashback is paid in USDG to your OKX Pay Wallet.

3.4 Cashback is credited once the original card transaction has settled (typically 1 to 5 business days after the transaction). You will see a pending cashback amount in the OKX App immediately after the transaction is made. The pending amount will be confirmed and credited to your Wallet once settlement is complete.

3.5 Cashback accrues daily and is calculated and credited automatically. You do not need to take any action to claim cashback, other than making eligible transactions with your card.

3.6 Cashback amounts are rounded down to the nearest 0.01 USDG. The minimum cashback amount per Eligible Transaction (as defined below) is 0.01 USDG.

4. Cashback Rate and Limits

4.1 The cashback rate for Eligible Transactions is determined by your VIP tier, as set out in the table below. The cashback amount accrues daily will be applied immediately upon VIP tier eligibility regardless of billing cycle

4.2 Cashback rewards accrue for USDG-backed spending only with auto-repayment enabled.

The cashback rate and monthly cashback cap applicable to each VIP tier are as follows:

4.3 Once you reach the applicable monthly cashback cap for your VIP tier, no further cashback will be earned for the remainder of that calendar month. The cap resets on the first day of each calendar month.

5. Eligible Transactions

5.1 A transaction is an "Eligible Transaction" if:

  • it is a purchase of goods or services made using your OKX Card;

  • it is collateralized with USDG held in your OKX Pay Wallet;

  • it is successfully settled through the applicable card network; and

  • it is not an Excluded Transaction (as defined below).

5.2 Where a transaction is secured by a combination of USDG and other stablecoins (such as USDC or USDT), cashback is earned only on the USDG portion of the transaction. The portion funded from other stablecoins does not earn cashback.

5.3 A transaction is an Eligible Transaction only if it is a completed and settled transaction. Preauthorizations, pending transactions, declined transactions and reversed transactions do not earn cashback.

5.4 If a transaction that has earned cashback is subsequently refunded (in whole or in part), OKX may offset the corresponding cashback amount against future cashback credits as provided in Section 9.

6. Excluded Transactions

6.1 The following transactions are not Eligible Transactions and do not earn cashback ("Excluded Transactions"):

  • transactions that utilize excluded Merchant Category Codes (MCCs).

  • ATM cash withdrawals (when available);

  • Transactions that are less than $1.00.

  • transactions related to gambling, betting, lottery tickets, casino gaming chips, off-track betting, or online gambling;

  • purchases of gift cards, prepaid cards or stored value cards;

  • purchases of cryptocurrencies or digital assets;

  • government service payments (including fines, taxes, and court costs);

  • money orders, wire transfers, or other cash-equivalent transactions;

  • transactions that are subsequently reversed, refunded or charged back;

  • transactions that OKX reasonably determines to be fraudulent, abusive or in breach of the Card Terms and Conditions; and

  • any other transaction categories that OKX specifies from time to time on its website or in the OKX App.

7. Subscription Rebate

7.1 Subscription Rebates: During any promotional period designated by OKX, eligible Card holders may receive rebates on payments funded from USDG held in your OKX Pay Wallet for selected third-party subscription services made using the Card ("Subscription Rebates").

7.2 The eligible subscription services, the applicable rebate rates and any other conditions are as set out in the Rewards Schedule. Subscription rebates are in addition to any cashback and remain subject to the general conditions of the Rewards Program, including eligibility, Excluded Transactions, verification of the subscription payment, active card and account status, and compliance and fraud screening. Subscription rebates are not payable on transactions coded to a mobile app store or otherwise recorded as in-app purchases, even where the underlying subscription service is eligible.

7.3 Subscription rebate accrues when the relevant subscription transaction is settled, and is credited to your OKX account on the same day it accrues. In addition: (a) subscription rebates are available for 6 calendar months from the month of Card activation (inclusive); (b) a monthly cap per user applies, in aggregate across all eligible subscriptions; and (c) an annual or other non-monthly subscription counts as a single transaction, rebated up to the monthly cap only in the calendar month it is charged, with no rebate in any subsequent month.

7.4 OKX may adjust, reverse or claw back subscription rebates on the same basis as cashback under paragraph 9 (Clawback), and may modify or discontinue subscription rebates from time to time in accordance with paragraph 8 (Modification, Suspension and Termination). Any such revision applies prospectively from publication and does not affect rebates already accrued before then.

8. Modification, Suspension and Termination

8.1 OKX may, at its discretion and at any time:

  • modify the cashback rate, monthly cap, eligibility criteria, or any other aspect of the Program;

  • suspend the Program (in whole or in part) for any period; or

  • terminate the Program entirely,

by providing you with at least 30 days' notice via the OKX App or by email, unless the modification, suspension or termination is required by law or regulation, in which case it may take effect immediately.

8.2 OKX may suspend or terminate your participation in the Program immediately and without notice if:

  • you cease to satisfy the eligibility criteria in clause 2;

  • OKX reasonably suspects that you have engaged in fraud, abuse or manipulation of the Program (including structuring transactions to increase cashback);

  • your OKX account or Card is suspended or terminated for any reason; or

  • OKX is required to do so by law, regulation or direction from a regulator.

8.3 If OKX terminates or suspends your participation, any pending cashback credits for Eligible Transactions that have already settled will still be credited to your Wallet, unless the termination is due to fraud, abuse or manipulation, in which case OKX may withhold or reverse any pending or previously credited cashback.

9. Clawback

9.1 OKX may offset against future cashback credits, any cashback that was:

  • credited in error;

  • credited in respect of a transaction that is subsequently refunded, reversed or charged back;

  • credited to a participant who was not eligible for the Program at the time of the transaction; or

  • obtained through fraud, abuse or manipulation of the Program.

9.2 There is no time limit on OKX's right to recover cashback under clause 8.1. If a transaction is refunded at any time after cashback has been credited, OKX may recover the corresponding cashback.

9.3 OKX will use reasonable efforts to notify you before or promptly after exercising its rights under this clause 8, unless doing so would compromise any investigation or would be contrary to law.

10. Liability

10.1 To the maximum extent permitted by law, OKX is not liable for any loss, damage or expense arising from or in connection with:

  • any delay in crediting cashback to your Wallet;

  • any modification, suspension or termination of the Program;

  • any error in calculating cashback, provided OKX corrects the error within a reasonable timeframe; or

  • any inability to earn cashback due to circumstances beyond OKX's reasonable control.

10.2 Nothing in these Cashback Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot be excluded, restricted or modified under applicable law.

10.3 In all cases and, to the extent that OKX's liability cannot be excluded, OKX's liability is limited to re-crediting the relevant cashback amount to your Wallet.

11. Privacy

11.1 OKX collects, uses and discloses your personal information in connection with the Program in accordance with the OKX Privacy Notice available here.

11.2 By participating in the Program, you acknowledge that OKX may use your transaction data to calculate and credit cashback, to verify eligibility, and to detect fraud or abuse of the Program.

12. Disputes

12.1 If you have a question or dispute about cashback credited (or not credited) under the Program, you may contact OKX via the OKX App chat .

12.2 OKX will investigate your query and respond within a reasonable time.

12.3 OKX's determination of any matter arising under these Cashback Terms (including eligibility, cashback calculations, and whether a transaction is an Excluded Transaction) is final, subject to any rights you may have under applicable federal and state regulations and guidelines.

13. General

13.1 These Cashback Terms are governed by and construed in accordance with the laws and regulations of the State of California.

13.2 If any provision of these Cashback Terms is held to be invalid or unenforceable, the remaining provisions continue in full force and effect.

13.3 OKX's failure to exercise, or delay in exercising, any right under these Cashback Terms does not operate as a waiver of that right.

13.4 The Program is not transferable. You must not attempt to transfer, assign or sell any cashback or any right to receive cashback under the Program.

13.5 These Cashback Terms do not create any partnership, joint venture, employment or agency relationship between you and OKX.

14. Definitions

"Card" means the OKX Card, a charge card issued by WebBank and distributed by OKX.

"Cashback Terms" means these terms and conditions.

"Effective Date" means 28 October 2026.

"Eligible Transaction" has the meaning given in clause 5.1.

"Excluded Transaction" has the meaning given in clause 6.1.

"OKX App" means the OKX mobile application.

"Program" means the OKX Card Cashback Program described in these Cashback Terms.

"USDG" means Global Dollar, a US dollar-denominated stablecoin issued by Paxos International SAGL.

"Wallet" means your OKX Pay Wallet.