Ocean Bank Credit Cards

We found 3 Ocean Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated March 01, 2024

Best Credit Cards in March 2024

Hide all
Show all
Ocean Bank Business Rewards Preferred
Annual fee:
$0 for the first year
$75 thereafter
Regular APR:
14.99% - 22.99% Variable
Our Rating:
3.19
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point per $1 spent on every purchase.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles from the date your Account is opened
  • Balance Transfer APR:
    14.99% - 22.99% Variable
  • Issuer name:
    Ocean Bank
  • Details:

    The Ocean Bank Business Rewards Preferred Credit Card earns 1x point on all purchases.

    The Card's annual fee: $0 for the first year, $75 thereafter.

    The Business Rewards Preferred Card has a 0% introductory APR period for 6 billing cycles on purchases and balance transfers (14.99% - 22.99% Variable thereafter).

  • Pros:
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1x point on all purchases;
    • Zero Liability Protection;
    • Mastercard Global Service;
    • Mastercard ID Theft Protection;
    • MasterRental Insurance Coverage.
Card detail
Ocean Bank Platinum Rewards
Annual fee:
$0
Regular APR:
14.99% - 22.99% Variable
Our Rating:
3.44
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1x Point per $1 spent on everyday purchases.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from the date your Account is opened
  • Balance Transfer APR:
    14.99% - 22.99% Variable
  • Issuer name:
    Ocean Bank
  • Details:

    The Ocean Bank Platinum Rewards Credit Card earns 1x point on all purchases.

    The Platinum Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases. In addition, there is a 0% introductory APR period for 12 billing cycles on balance transfers made within 12 months of account opening. After that, the variable APR is 14.99% - 22.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • No welcome bonus
    • Foreign Transaction Fee
  • Benefits:
    • 1x point per $1 spent on everyday purchases;
    • Zero Liability Protection;
    • Mastercard Global Service;
    • Mastercard ID Theft Protection;
    • Mastercard Airport Concierge.
Card detail
Ocean Bank International Platinum Rewards
Annual fee:
$0 for the first year
$75 thereafter
Regular APR:
16.99% Variable
Our Rating:
3.51
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point per $1 on all qualifying net purchases.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from the date your Account is opened
  • Balance Transfer APR:
    16.99% Variable
  • Issuer name:
    Ocean Bank
  • Details:

    The Ocean Bank International Platinum Rewards Credit Card earns 1x point per $1 on all qualifying net purchases.

    The annual fee for this card is $75 ($0 for the first year).

    The Card has a 0% introductory APR period for 12 billing cycles on purchases. In addition, there is a 0% introductory APR period for 12 billing cycles on balance transfers made within 12 months of account opening. After that, the variable APR is 16.99%.

  • Pros:
    • Intro APR period
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
  • Benefits:
    • 1x point per $1 on all qualifying net purchases;
    • Zero Liability Protection;
    • Mastercard Global Service;
    • Mastercard ID Theft Protection.
Card detail

How to Choose the Right Ocean Bank Credit Card?

Choosing the right credit card from a specific credit card issuer can be hard. Considering Ocean Bank, there are three steps that will make your decision process easier.

First and foremost, you are to figure out your credit score. It will be from "Poor” to “Excellent”, and the higher your credit is, the better Ocean Bank credit card offers and terms are available to you.

Then, you need to decide on why you need a Ocean Bank credit card and determine the most important features your potential credit card must have. If you search for a credit card to improve your credit score, look for the ones with large grace period and no annual fee. If your goal is to not spend money on interest, Ocean Bank credit cards with the smallest interest and introductory rates are your best choice. If you need a credit card with cashback, pay attention to the rewards program offered by Ocean Bank.

As a third step, you should compare the Ocean Bank offers you think are the best for you, but now weighing in all the features. Overall, the perfect credit card fits the following characteristics: near-zero interest rate, long grace period, no fees, high credit limit, the finance charge calculations include one billing cycle only, and generous rewards and sign-up bonuses. You can easily compare Ocean Bank credit cards in the table below.

Side-by-Side Comparison of Ocean Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Platinum Secured 10.49% - 18.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Business Rewards Preferred 14.99% - 22.99% Variable $75
  • 1x Point per $1 spent on every purchase.
  • No current offer.
  • Platinum Rewards 14.99% - 22.99% Variable $0
  • 1x Point per $1 spent on everyday purchases.
  • No current offer.
  • International Platinum Rewards 16.99% Variable $75
  • 1x Point per $1 on all qualifying net purchases.
  • No current offer.
  • Conclusion

    Ocean Bank provides a wide range of credit cards with different features, yet it’s important to find the one that will be the best for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us