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Ocean Bank Credit Cards

Compare the issuer’s various products and select the one that best fits your needs. Browse credit cards below.

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Showing 4 Cards

Date Reviewed: August 09, 2019

Ocean Bank Business Rewards Preferred Credit Card

Ocean Bank Business Rewards Preferred Credit Card
  • Regular Purchase APR 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.74% variable based on the Prime Rate
  • Annual Fee None for the first year. After that, $75
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR on purchases and balance transfers for 6 billing cycles
  • Annual fee of $75 waived for first year; annual fee waived each year your company spends $15,000 or more
  • Earn 1 point per $1 spent on every purchase; earn unlimited points
  • Redeem points for cash rewards, travel rewards, and shopping rewards
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months on transfers made within 6 months from account opening date
  • Balance Transfer APR: 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 23.99% if account is 60 days or more past due
  • Annual Fee: None for the first year. After that, $75
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37
  • Over Limit Penalty Fee: $25 fee per billing cycle if a transaction above the credit limit posts to the account

Date Reviewed: August 08, 2019

Ocean Bank Platinum Rewards Card

Ocean Bank Platinum Rewards Card
  • Regular Purchase APR 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR on purchases and balance transfers for 12 months from account opening date
  • Earn 1 point per $1 spent on everyday purchases
  • Redeem points for cash, travel and shopping rewards
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 12 months from account opening date
  • Balance Transfer APR: 9.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: August 08, 2019

Ocean Bank International Platinum Rewards Card

Ocean Bank International Platinum Rewards Card
  • Regular Purchase APR 11.74% variable based on the Prime Rate
  • Balance Transfer APR 11.74% variable based on the Prime Rate
  • Cash Advance APR 21.74% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $75
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 1 point per $1 on all qualifying net purchases
  • Points can be redeemed for cash rewards, travel rewards, and shopping rewards
  • 0% intro APR for 12 months on both purchases and balance transfers
  • No annual fee for the first 12 months
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.74% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.74% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 for the first year. After that, $75
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: August 06, 2019

Ocean Bank Platinum Card

Ocean Bank Platinum Card
  • Regular Purchase APR 11.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • $0 liability for unauthorized purchases
  • 0% introductory APR on purchases and balance transfers for 12 months
  • Mastercard® Airport Concierge - 15% savings on airport meet and greet services
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 12 months from account opening date
  • Balance Transfer APR: 11.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

About Ocean Bank

Ocean Bank is currently the largest independent state-chartered bank in the State of Florida. Ocean Bank dates to 1982 and is a popular banking option for those in the real estate sector – particularly real estate developers.

The bank has its headquarters in Miami and offers a full array of banking products and services for both businesses and consumers. The products and services of Ocean Bank include credit cards, mortgages, loans, and other banking services such as checking and savings accounts. The bank is also heavily involved in the international banking industry, servicing customers in Latin America, the Caribbean, and worldwide.

Ocean Bank Branch Locations

Ocean Bank currently operates 23 branches in South Florida. These locations include 20 offices in Miami-Dade County (including the headquarters) and 3 Broward County locations.

Miami-Dade Locations

Miami

  • 780 N.W. 42nd Ave. (Main Office)
  • 7650 N.W. 25th St. (Airport West)
  • 7951 S.W. 40th St. (Bird Road)
  • 1000 Brickell Ave (Brickell)
  • 12005 S.W. 26th St. (Coral Way)
  • 165 S.E. First St. (Downtown)
  • 10950 Kendall Dr. (Kendall)
  • 14651 S.W. 56th St. (Miller Drive)
  • 8700 West Flagler St (West Flagler)
  • 15680 S.W. 88th St. (West Kendall)
  • 6590 S.W. 8th St. (West Miami)

Hialeah

  • 790 West 49th St. (Palm Springs/ Hialeah)
  • 1801 West 4th Ave.

Miami Beach

  • 501 Arthur Godfrey Rd.

Miami Lakes

  • 7455 Miami Lakes Dr.

Coral Gables

  • 2655 LeJeune Rd.
  • 6939 Red Rd.

Aventura

  • 20900 NE 30th Ave.

Doral

  • 2500 NW 97th Ave. Suite 100

Pinecrest

  • 13593 S. Dixie Hwy.

Broward Locations

Ft. Lauderdale

  • 200 N.E. 3rd Ave (Downtown)

Hollywood

  • 6775 Taft St.

Weston

  • 2300 Weston Rd.

Wealth Management Locations

The bank also operates wealth management branches in Miami:

  • 780 N.W. 42nd Ave. Suite 603
  • 780 N.W. 42nd Ave. Suite 625 (International Banking)
  • 1000 Brickell Ave Suite 1200

For a complete list of Ocean Bank locations, hours of operation, and ATM locations, please visit the banks’ dedicated locations page.

Ocean Bank FAQs

Here are some answers to frequently asked questions concerning Ocean Bank:

What is the routing number of Ocean Bank?

  • 066011392 is the current routing transit number of Ocean Bank

What is the MyMoney program?

  • MyMoney is a financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers. The program is a creation of the Florida Department of Financial Services.

Does Ocean Bank offer mortgages?

  • Ocean bank offers a wide selection of banking products and services. These services include mortgages, HELOC loans, auto loans, checking and savings accounts, and credit cards.

What is the number for Ocean Bank customer service?

  • Consumers and small businesses with questions should call the bank’s Customer Service Center at 305-569-5000.