Oasis Charge on Credit Card: $9.99 Subscription, Cash Advance, or Local Merchant?

An OASIS charge on a credit card, debit card, or bank statement cannot be identified from the word OASIS alone. One important possibility is the former Oasis Cash Advance service, which is now called Grant Cash Advance. Grant’s official support information confirms that some transactions may still display Oasis, its previous name.

Other possibilities include a local Oasis-branded car wash, restaurant, hotel, resort, salon, store, medical provider, or other business. The charge may also relate to a Royal Caribbean cruise aboard Oasis of the Seas. The full descriptor, amount, location, transaction type, and merchant category are needed to distinguish these possibilities.

What Is the Oasis Charge on a Credit Card?

OASIS is an incomplete merchant description that can refer to more than one business.

Card issuers may show:

• A shortened merchant name
• A former company or application name
• A legal business name instead of a customer-facing brand
• A location, branch, terminal, or store number
• A payment processor followed by part of the merchant name
• A pending authorization rather than a completed charge
• An ACH or debit-card transaction in the same activity list as credit-card purchases

Open the transaction and record every available detail, including:

• The complete descriptor
• The amount and currency
• The transaction and posting dates
• Whether the entry is pending, posted, reversed, credited, or deposited
• The city, state, and country
• A merchant telephone number or website
• The merchant category
• Whether the transaction used a credit card, debit card, ACH transfer, or digital wallet

Is Oasis Now Grant Cash Advance?

Yes, in the cash-advance-app context.

The former Oasis Cash Advance service is now known as Grant Cash Advance. Several pieces of official evidence connect the names:

• The former Oasis website at OasisCredit.com now redirects to the official Grant Cash Advance website.
• Grant’s official support page says that users may see Oasis on a transaction because it was Grant’s previous name.
• The current Grant application uses the same app-store identity previously associated with Oasis Cash Advance.
• Current Grant services and customer agreements are operated by Grant Money, LLC, an affiliate of Kikoff Inc.

Official sources:

• Former Oasis website, now redirecting to Grant
• Grant support explanation of the Oasis name
• Grant Cash Advance official website
• Grant Money Products Customer Agreement

This rebrand makes Grant the strongest national match when OASIS appears with cash-advance, subscription, ACH, or debit-card activity. It does not rule out an unrelated merchant using the common Oasis name.

What Does the Official Grant Support Page Confirm?

Grant’s support page for locating a cash-advance deposit states that the name Grant may not appear on the transaction. It says customers may instead see Oasis, which was Grant’s previous name, or a generic transaction description.

That guidance confirms two useful points:

• Oasis and Grant can refer to the same cash-advance service.
• A bank may continue displaying the former Oasis name after the consumer-facing application has changed to Grant.

However, that support article specifically discusses an incoming cash-advance deposit. It does not prove that every outgoing OASIS debit, card purchase, or monthly charge belongs to Grant. Check the direction of the transaction before treating it as a fee:

• Credit or deposit: It may be cash-advance funds sent to the account.
• Debit or withdrawal: It may be a subscription fee, advance repayment, delivery fee, or unrelated merchant purchase.
• Pending authorization: It may be a temporary hold rather than a final charge.

Could the Oasis Charge Be a $9.99 Subscription?

Yes. A recurring transaction for $9.99 is a strong reason to check a current or former Oasis Cash Advance account.

Grant currently offers an optional paid plan called Grant Plus. Its official pricing page lists a monthly subscription fee of $9.99. The fee is automatically debited from the bank account or debit-card payment method connected with the Grant account.

The current customer agreement says the fee begins on the subscription date and repeats on the same day each month until the subscription is canceled. If the usual payment date does not exist in a shorter month, the payment may be collected on the final day of that month.

A $9.99 OASIS transaction may therefore be connected with:

• A former Oasis Plus subscription
• A current Grant Plus subscription still using legacy Oasis transaction information
• A recently reactivated or resubscribed Grant account
• A subscription associated with another email address or telephone number
• An account opened by another authorized bank-account or debit-card user
• An unrelated local merchant that happens to charge the same amount

Check the Grant app and search email for:

• Oasis Cash Advance
• Oasis Plus
• Grant Cash Advance
• Grant Plus
• Grant Money
• Kikoff
• The exact $9.99 amount

Is a Grant Plus Subscription Required for a Cash Advance?

No, according to Grant’s current official disclosures.

The current Grant customer agreement states that a Grant Plus subscription is not required to request or receive an advance. Grant’s website says a person may request an advance without subscribing by emailing support@grantcash.com and asking to apply without the paid subscription.

This distinction matters when reviewing an OASIS transaction. A person may have:

• A paid Grant Plus subscription and no current advance
• An advance without a paid subscription
• A subscription fee and a separate advance repayment
• A subscription fee and a separate expedited-delivery fee

Do not assume that a $9.99 subscription payment is part of the advance principal. Review each entry separately.

Why Is the Oasis Charge More Than $9.99?

A larger OASIS or Grant-related debit may be an advance repayment rather than a subscription fee.

Grant currently advertises advances from $25 to $500 for eligible qualifying users. Its current agreement states that the company may collect an advance and any expedited-delivery fee from a linked bank account or debit card after the due date shown in the app or after detecting a positive cash inflow in the linked bank account.

Possible amounts include:

• The amount of a cash advance
• The advance plus an expedited-delivery fee
• A $9.99 Grant Plus subscription fee
• A smaller partial debit or payment attempt
• An unrelated Oasis-branded merchant purchase

Match the debit with the advance amount, repayment date, and activity shown in the Grant app. The amount alone cannot prove the source.

Could the Oasis Charge Be an Express-Delivery Fee?

Possibly.

Grant provides standard ACH delivery without a delivery fee and offers optional expedited delivery for a fee. The public Grant website and current app-store listings describe fees from $2 to $21. The Grant customer agreement last updated August 19, 2026 permits an expedited-delivery fee from $2 to $25, depending on the selected advance.

Because the published ranges are not identical, use the fee that was disclosed in the app when the individual advance was requested. Save the confirmation screen or transaction record if the collected amount does not match what was shown.

An expedited-delivery fee may be collected with the advance repayment rather than appearing as a separate small purchase.

Is Oasis Likely to Be a Credit-Card Charge or Bank Debit?

The payment method is one of the best identification clues.

Grant’s current agreement requires a valid debit card linked to a U.S. bank account for its advance service. It also allows the Grant Plus fee to be debited through a linked bank account or debit card. Grant-related activity may therefore appear as:

• An ACH debit
• A debit-card transaction
• A bank-account withdrawal
• An incoming cash-advance deposit

If the issuer confirms that the transaction was a conventional credit-card purchase, especially one processed in person at a specific city or store, a local Oasis merchant may be more likely than Grant Cash Advance.

Common Oasis Statement Variations

Depending on the issuer and merchant information, a transaction may be displayed or searched as:

• OASIS
• OASIS CHARGE
• OASIS CREDIT
• OASISCREDIT
• OASIS PLUS
• OASIS CASH ADVANCE
• GRANT
• GRANT CASH
• GRANT CASH ADVANCE
• GRANT PLUS
• GRANT MONEY LLC
• KIKOFF
• OASIS CAR WASH
• OASIS WASH
• OASIS OF THE SEAS
• ROYAL CARIBBEAN
• OASIS HOTEL or OASIS RESORT
• OASIS RESTAURANT
• POS OASIS
• CHECKCARD OASIS
• PENDING OASIS

These are identification and search clues, not a confirmed universal descriptor list. Copy the exact wording from the statement, including numbers, punctuation, location, and telephone information.

How to Identify an Oasis Charge

Use the following process:

1. Determine whether money entered or left the account. An Oasis entry can potentially be an incoming cash-advance deposit, not a fee.
2. Confirm the payment method. Ask whether it was ACH, debit card, credit card, digital wallet, or another transfer type.
3. Record the complete descriptor. Include every letter, number, city, telephone number, and store or terminal identifier.
4. Check the amount. A recurring $9.99 debit supports checking Grant Plus. A larger debit may match an advance repayment or merchant purchase.
5. Check transaction timing. Compare the date with a payday, cash-advance due date, subscription anniversary, cruise, hotel stay, car wash, restaurant visit, or other purchase.
6. Search all email accounts. Look for Oasis, Grant, Grant Plus, Grant Money, Kikoff, receipts, reservations, and the exact amount.
7. Check the Grant app. Review subscription status, advances, repayment activity, linked accounts, and delivery fees.
8. Ask authorized users. Include family members, employees, and anyone with access to the card or bank account.
9. Ask for the merchant category. Financial service, car wash, restaurant, lodging, cruise line, healthcare, and retail categories point in different directions.
10. Check the location. A specific local city is a strong reason to investigate a nearby Oasis business.
11. Contact the likely company through an official source.
12. Report the transaction if it remains unexplained.

How to Cancel an Oasis or Grant Plus Subscription

The former Oasis cash-advance service is now managed through Grant.

Grant’s official support instructions say to downgrade to the free Basic plan in the app:

1. Open the Grant app.
2. Select Account.
3. Select Manage Plan.
4. Under Grant Plus, choose Switch to this plan under the Basic (Free) option.

To close the account instead:

1. Open Account.
2. Select Manage Plan.
3. Select Close my account.

The current Grant agreement also allows cancellation by emailing support@grantcash.com. Include the name and telephone number associated with the account, but do not email a complete debit-card number, bank-account number, password, PIN, or security code.

Official cancellation page:

Grant subscription cancellation instructions

Why Did Oasis or Grant Charge Me After Cancellation?

Possible explanations include:

• The cancellation request was made fewer than three business days before the scheduled debit.
• A payment had already been initiated before the cancellation was processed.
• The subscription remains active until the end of the paid monthly period.
• The debit is an advance repayment or expedited-delivery fee, not a subscription payment.
• The cancellation applied to one Grant account while another account remains active.
• The transaction belongs to an unrelated Oasis merchant.
• The charge is unauthorized.

The current customer agreement says Grant may retry an unpaid monthly subscription debit for up to 28 business days. It also states that canceling Grant Plus does not cancel the separate authorization connected with an advance or expedited-delivery fee.

Ask Grant to identify:

• The service connected with the debit
• The subscription start and cancellation dates
• The applicable billing period
• Whether the debit was initiated before cancellation
• Whether an advance or delivery fee remains associated with the account

How to Request an Oasis or Grant Refund

A cancellation does not automatically create a refund for a previously collected fee.

If the transaction appears connected with Grant:

1. Save the complete OASIS or Grant transaction description.
2. Record the amount, date, and payment method.
3. Check the Grant app for the subscription, advance, or fee.
4. Contact Grant through its official support center or support@grantcash.com.
5. Explain whether the issue is an unrecognized subscription, incorrect amount, post-cancellation debit, duplicate, advance repayment, or delivery fee.
6. Ask for a written decision and reference number.

Provide only the information reasonably needed to locate the account, such as the account name, telephone number, email address, transaction date, amount, and last four digits of the payment card when legitimately requested.

If no Grant account or authorized transaction explains the debit, contact the financial institution promptly.

Could Oasis Be a Car-Wash Charge?

Yes. Oasis is used by multiple independent car-wash businesses and is not one nationwide universal merchant name.

An Oasis car-wash transaction could relate to:

• A single wash
• A monthly unlimited-wash membership
• An automatic membership renewal
• A vehicle-detailing service
• A purchase made by another authorized driver

Car-wash descriptors often include a city, store number, location code, or telephone number. Search the exact location rather than contacting the first Oasis business found online. If the payment repeats monthly, check vehicle glove compartments, email, text messages, and mobile-wallet passes for a wash membership.

Could Oasis Be a Restaurant, Hotel, Resort, or Local Store?

Yes. Many unrelated businesses use Oasis in their name.

Possible local categories include:

• Restaurants, cafés, bars, and lounges
• Hotels, motels, resorts, and vacation properties
• Convenience stores and gas stations
• Salons, spas, and wellness businesses
• Medical, dental, pharmacy, or healthcare providers
• Cannabis dispensaries where legal
• Retail stores and online sellers
• Event venues and entertainment businesses

Search the complete merchant telephone number, city, and state. A merchant category supplied by the issuer can quickly separate a financial-service transaction from dining, lodging, fuel, healthcare, or retail.

Hotel and resort activity may also include:

• A reservation deposit
• A prepaid room charge
• A security or incidental hold
• A resort fee
• A cancellation or no-show fee
• A final folio payment

Could Oasis Be From Royal Caribbean’s Oasis of the Seas?

Possibly, especially after a recent Royal Caribbean sailing.

Oasis of the Seas is a Royal Caribbean cruise ship. Onboard purchases are placed on a guest’s SeaPass account and then billed to the registered credit or debit card. A traveler may therefore remember the ship name Oasis even if the final descriptor shows Royal Caribbean or another cruise-related name.

Royal Caribbean states that guests can expect an initial pending authorization of approximately $99.75 when a credit card is registered for an onboard account. Additional onboard spending can generate additional holds. Most holds are released when the cruise ends and final charges are settled, but some may take up to 30 days depending on the financial institution.

Check:

• The Royal Caribbean app
• The onboard account shown on the stateroom television
• The printed or emailed final folio
• Drink, dining, internet, spa, casino, excursion, shop, photo, gratuity, and other onboard purchases
• Whether the entry is only pending

Official Royal Caribbean resources:

• Royal Caribbean credit-card hold guidance
• Request a cruise invoice or folio
• Royal Caribbean contact page
• Post-cruise assistance: 1-800-256-6649
• Post-cruise email: royalguestrelations@rccl.com

Royal Caribbean does not state that every Oasis of the Seas payment will appear simply as OASIS. Treat the ship as a possibility only when the timing and travel history match.

Could Oasis Be a Concert Ticket or Merchandise Purchase?

Oasis is also the name of the British band. A related transaction could potentially involve:

• Concert tickets
• Official merchandise
• A venue purchase
• A ticket resale platform
• Shipping, taxes, or an order adjustment

However, ticket and merchandise purchases commonly display the ticket seller, venue, promoter, fulfillment company, or payment processor rather than only the artist’s name. Check ticketing accounts and email receipts before attributing a bare OASIS charge to the band.

Official band website:

Oasis official website

Why Are There Two Oasis Charges?

Two entries may represent:

• A pending authorization and the final posted charge
• A Grant Plus subscription and a separate advance repayment
• An advance repayment and an expedited-delivery fee
• A failed subscription debit followed by a retry
• Two separate merchant purchases
• A hotel or cruise hold followed by the final folio
• Two authorized users
• A duplicate transaction
• Repeated unauthorized use

Compare the amount, status, date, authorization code, and merchant information. If one entry is pending and the other is posted, ask the issuer whether the pending authorization is expected to disappear. Report the issue if both fully post and only one payment is legitimate.

Is the Oasis Charge Fraud?

Not automatically.

A legitimate OASIS entry may be:

• A former Oasis or current Grant cash-advance transaction
• A $9.99 monthly subscription
• An advance repayment or delivery fee
• A local car wash, restaurant, hotel, healthcare provider, or store
• A Royal Caribbean onboard-account hold or payment
• A purchase made by another authorized user

Treat it as potentially unauthorized when:

• No authorized user recognizes it.
• No Grant, Oasis, cruise, hotel, car-wash, restaurant, or other merchant record matches it.
• The issuer’s location, telephone number, or merchant category is unfamiliar.
• A true card-present purchase is reported in a place you have never visited.
• Several unexplained transactions appear.
• A small transaction is followed by larger attempts.
• The likely company cannot locate a matching account or payment.

How to Dispute an Unauthorized Oasis Charge

If the transaction remains unexplained:

1. Save the complete descriptor. Include the amount, date, status, location, and any telephone or reference number.
2. Confirm whether it is a debit, credit, deposit, or pending authorization.
3. Check every authorized card and bank-account user.
4. Review Grant, Oasis, email, cruise, hotel, car-wash, and purchase records.
5. Ask the issuer for the full merchant name, merchant category, telephone number, website, country, and transaction method.
6. Contact the possible company only when the transaction details support the match.
7. Lock or freeze the card if unauthorized use is possible.
8. Report the transaction through the issuer’s official channel.
9. Ask whether other transactions are pending and whether the card or account number should be replaced.
10. Keep dispute case numbers, cancellation confirmation, and written records.

See our guide to investigating an unrecognized credit-card, debit-card, or bank charge.

For U.S. accounts, the Consumer Financial Protection Bureau recommends reporting unauthorized transactions promptly. Its guidance explains that a written credit-card billing-error notice generally must reach the card issuer within 60 days after the issuer sent the statement containing the error. Debit-card and bank-account protections use different notification rules, so do not delay.

Official resources:

• CFPB credit-card dispute guidance
• CFPB debit-card and bank-account guidance

Oasis and Grant Contact Information

For a possible former Oasis Cash Advance or current Grant transaction:

• Current service: Grant Cash Advance
• Company: Grant Money, LLC
• Affiliation: Kikoff Inc.
• Email: support@grantcash.com
• Website: GrantCash.com
• Support center: Grant Support
• Pricing: Grant pricing and fees
• Customer agreement: Grant terms
• Apple App Store: Grant Cash Advance for iPhone
• Google Play: Grant Cash Advance for Android

The official pages reviewed do not publish a general customer-service telephone number. Use the official app, support center, or support email rather than a number from an advertisement, social-media reply, or unofficial directory.

What Information Should I Give Grant or Another Oasis Merchant?

Provide only what is reasonably necessary to locate the transaction:

• Your name
• The email address or telephone number associated with the account
• The transaction date and amount
• The last four digits of the affected card, if legitimately requested
• An order, reservation, folio, or account reference
• A brief explanation of the problem

Ask:

• Can you locate a transaction matching this date and amount?
• Is it a subscription fee, advance repayment, delivery fee, deposit, authorization, or purchase?
• Which account, order, reservation, or location is connected with it?
• What statement descriptor should appear?
• Was a cancellation or refund recorded?
• Will another debit be attempted?

Never provide a complete card number, bank-account number, PIN, password, one-time code, or security code to someone who contacts you unexpectedly.

Questions to Ask the Card Issuer or Bank

Ask:

1. What is the complete merchant or originator name?
2. Is the entry an ACH debit, debit-card transaction, credit-card purchase, deposit, or hold?
3. What telephone number and website were supplied?
4. Which city, state, and country were reported?
5. What merchant category or ACH company identification is available?
6. Was the card physically present?
7. Was it processed online, manually entered, or submitted through a digital wallet?
8. Is it coded as recurring?
9. Does the expanded information identify Grant Money, Kikoff, a local business, or Royal Caribbean?
10. Is the transaction pending or fully posted?
11. Are any additional transactions from the same source pending?
12. What dispute or stop-payment options apply to this transaction type?

Watch Out for Fake Oasis Support

Use only the official Grant application, GrantCash.com, Grant’s official support center, the applicable merchant’s verified website, Royal Caribbean’s official website, or the issuer’s official contact channel.

Be cautious if someone claiming to represent Oasis, Grant, or a local merchant requests:

• Gift cards
• Cryptocurrency
• A wire transfer to a personal account
• Your complete card or bank-account number by text or email
• Your PIN, password, or one-time authentication code
• Remote access to your phone or computer
• An additional payment before a supposed refund can be released

Frequently Asked Questions About Oasis Charges

What is Oasis on my credit-card statement?

OASIS is an incomplete merchant name. One important possibility is the former Oasis Cash Advance app, now Grant Cash Advance. It may also belong to an unrelated local Oasis-branded business or travel transaction. Ask the issuer for the complete merchant information.

Is Oasis the same as Grant Cash Advance?

Yes, in the cash-advance-app context. Grant’s official support page states that Oasis was Grant’s previous name and may still appear on a transaction.

What is the $9.99 Oasis charge?

A recurring $9.99 debit may be a former Oasis Plus or current Grant Plus subscription. Grant currently lists Grant Plus at $9.99 per month. Confirm it in the Grant app because an unrelated merchant could charge the same amount.

Why is Oasis taking money from my bank account?

If the entry belongs to Grant, it could be a monthly subscription fee, an advance repayment, or an expedited-delivery fee. It may also belong to another merchant. Compare the amount and date with Grant activity and ask the bank whether it is ACH, debit-card, or credit-card activity.

Could an Oasis entry be a deposit rather than a charge?

Yes. Grant’s official support information specifically says a cash-advance deposit may show Oasis, its previous name. Check whether the entry increased or decreased the account balance.

How do I cancel the Oasis subscription?

Manage the former Oasis service through the Grant app. Select Account, Manage Plan, and switch Grant Plus to the Basic free plan. The current agreement also permits cancellation by emailing support@grantcash.com. Cancel at least three business days before the next payment date.

Why did Oasis charge me after I canceled?

The debit may already have been initiated, the request may have arrived too close to the billing date, an unpaid fee may have been retried, or the payment may be an advance repayment rather than a subscription. Ask Grant to identify the exact debit and provide written cancellation confirmation.

Is Oasis a car-wash charge?

It could be. Multiple independent car washes use Oasis in their names. A city, store number, telephone number, or car-wash merchant category can help identify the location.

Could the charge be from Oasis of the Seas?

Possibly. Royal Caribbean uses card holds and final billing for onboard SeaPass accounts. Check the Royal Caribbean app and final folio. Royal Caribbean does not state that every Oasis of the Seas payment appears simply as OASIS.

Is an Oasis charge fraudulent?

Not automatically. It may be a legitimate cash-advance, subscription, local-merchant, cruise, hotel, restaurant, or other purchase. Report it promptly if no authorized user, account, receipt, reservation, or merchant information explains it.

Related Unknown-Charge Guides

• Unrecognized charge on a credit card or bank statement
• Credit-card charge codes and merchant descriptors
• Rise Digital charge on a credit or debit card
• SUPER SUPER SAN FRANCISCO membership charge

Why Trust ChargeOnMyCard.com?

ChargeOnMyCard.com researches confusing credit-card, debit-card, ACH, subscription, application, travel, retail, and bank-statement descriptors using current official company information, customer agreements, support resources, application listings, payment clues, and transaction-verification methods.

For this guide, official current sources confirm that:

• Oasis was the previous name of Grant Cash Advance.
• Grant says some transactions may still display Oasis.
• Grant Plus currently has a $9.99 monthly subscription fee.
• Grant’s current agreement distinguishes subscription fees, advances, and expedited-delivery fees.
• Grant provides official in-app and email cancellation methods.
• Royal Caribbean places pending card authorizations on onboard accounts and provides final folio records.

Neither Grant nor Royal Caribbean publishes OASIS as a universal descriptor for every transaction. ChargeOnMyCard.com therefore does not claim that every OASIS payment belongs to either company. The complete merchant data and a matching account, receipt, reservation, location, or authorized user provide stronger confirmation.

Last reviewed: September 1, 2026

Share Your Oasis Charge Experience

Did OASIS appear on your credit card, debit card, or bank statement? Share the complete descriptor, general amount, transaction type, city or state, whether it repeated, and how you identified it. Mention whether it matched the former Oasis or current Grant app, a $9.99 subscription, an advance repayment, a local merchant, or Royal Caribbean.

Do not post your full card number, bank-account number, transaction ID, address, telephone number, email address, account login, PIN, password, or other private financial information.

ChargeOnMyCard.com Disclaimer

ChargeOnMyCard.com is not affiliated with Oasis Cash Advance, Grant Cash Advance, Grant Money, LLC, Kikoff Inc., Royal Caribbean, Oasis of the Seas, the band Oasis, any local Oasis-branded business, payment processor, card network, bank, or financial institution. This article provides general informational guidance and cannot access an Oasis or Grant account, advance, subscription, bank account, card, cruise folio, reservation, order, or private transaction; identify a cardholder; determine whether a payment was authorized; cancel a subscription; stop an advance repayment; issue a refund; block a card; or file a dispute. Verify the individual transaction through the applicable company and financial institution.