USES

Platinum Rewards from Ocean Bank Review

Platinum Rewards from Ocean Bank ā€” all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Ocean Bank Platinum Rewards
Apply now
Our Rating:
3.44 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1x Point per $1 spent on everyday purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from the date your Account is opened
  • Regular APR:
    14.99% - 22.99% Variable
  • Balance Transfer APR:
    14.99% - 22.99% Variable
Show more

We recommend more cards

Upgrade Cash Rewards VisaĀ®
Upgrade Cash Rewards VisaĀ®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgradeā€˜s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bankā€˜s site
Upgrade Triple Cash Rewards VisaĀ® Upgrade
Upgrade Triple Cash Rewards VisaĀ®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgradeā€˜s website
Apply now

Ocean Bank Platinum Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1X
All purchases
$
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 1x Per $1 spent on everyday purchases.
  • Travel
    • Mastercard Airport Concierge:
    • Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 billing cycles from the date your Account is opened
  • Purchase APR
    • 14.99% - 22.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 12 billing cycles from the date of your initial balance transfer within the first 12 months of account opening
  • Balance Transfers APR
    • 14.99% - 22.99% Variable
  • APR for Cash Advances
    • 26.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 2% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 4% of the amount of each advance, whichever is greater
  • Return Payment
    • Up to $37
  • Late Payment
    • Up to $37
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • No welcome bonus
  • Foreign Transaction Fee

Features

Platinum
Mastercard
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • Fraud Protection
  • Bonus points
  • Fair Credit
  • Good Credit

About the issuer

Ocean Bank
Ocean Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Unsecured
DestinyĀ® MastercardĀ® First Electronic Bank
DestinyĀ® MastercardĀ®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bankā€˜s site
First Progress Platinum Prestige MastercardĀ® Secured Synovus Bank
First Progress Platinum Prestige MastercardĀ® Secured Credit Card
3.8 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progressā€™s site
First Progress Platinum Select MastercardĀ® Secured Synovus Bank
First Progress Platinum Select MastercardĀ® Secured Credit Card
3.5 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progressā€™s site

See Another Credit Cards in the Bank

Ocean Bank Platinum Rewards is an option for those, who need Platinum features. With an APR of 14.99% - 22.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With Ocean Bank Platinum Rewards you will get such features as 0% Intro APR, Low interest, No Annual Fee, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Unsecured
MilestoneĀ® MastercardĀ®
MilestoneĀ® MastercardĀ®
3.5 out of 5
Recommended credit score
scorer
Poor to Good (300-739)
  • $175
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Milestone MastercardĀ® website