Oxygen is a new digital bank designed to meet the needs of freelancers who traditionally have a hard time getting access to credit. You’ll only pay a monthly membership fee when you tap into your line of credit.

Our research, news, ratings, and assessments are scrutinized using strict editorial integrity. Our editorial staff does not receive direction from advertisers on our website or our Partnerships Team. Our company may receive compensation from partners seen on our website. Here's how we make money.