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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Ocean Bank Platinum Card

Ocean Bank Platinum Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Mastercard Processing Network
None Annual Fee

Ocean Bank Platinum Card

  • 16.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

Establishing a credit history, or repairing bad credit, can be intimidating; while it may appear that building credit is difficult, in reality, there are plenty of credit card offers that can help you achieve your goals. Establish your credit while you shop or travel with the Ocean Bank Platinum Card; for a $500 minimum deposit, you’ll receive a secured credit card designed to make building your credit not only easy, but convenient too.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 16.99% 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: 16.99% 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: 26.99% 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
  • You want to establish or build your credit
  • You do’t want to pay an annual fee
  • You will take advantage of a lengthy intro APR for both purchases and balance transfers
  • You want the protections and perks Mastercard® offers cardholders

Ocean Bank International Platinum Rewards Card

Ocean Bank International Platinum Rewards Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
$0 for the first year. After that, $75 Annual Fee

Ocean Bank International Platinum Rewards Card

  • 16.99% variable based on the Prime Rate Regular Purchase APR
  • 16.99% variable based on the Prime Rate Balance Transfer APR
  • 26.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

It pays to spend with the Ocean Bank International Platinum Rewards Card; unlimited points can be earned for every qualifying net purchase, at home and abroad. Additionally, a generous introductory offer – 0% APR and no annual fee for the first twelve months – make using this card to save money both convenient and easy.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 16.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 16.99% 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: 26.99% 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
  • You will take advantage of a generous introductory APR of 0% for 12 months
  • You want to earn points towards travel, cash, and shopping rewards from everyday purchases
  • You want a card that waives the annual fee for the first year
  • You would like a card with zero liability for unauthorized charges

Ocean Bank Platinum Rewards Card

Ocean Bank Platinum Rewards Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Mastercard Processing Network
None Annual Fee

Ocean Bank Platinum Rewards Card

  • 14.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

Put your everyday spending to work – with the Ocean Bank Platinum Rewards Card, each qualifying net purchase you make will earn points towards cash, travel, and shopping rewards. With a competitively low APR, a generous introductory APR offer, and flexible reward points redemption, this credit card will help you save oodles of money even as you earn rewards.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.99% to 22.99% 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: 14.99% to 22.99% 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: 26.99% 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
  • You don’t want to pay an annual fee
  • You will take advantage of a lengthy introductory APR: 0% for twelve billing cycles for purchases and balance transfers from the date the account is opened
  • You want to earn 1 point for every $1 spent using this card
  • You want the peace of mind that comes with Mastercard® protections

Ocean Bank Business Rewards Preferred Credit Card

Ocean Bank Business Rewards Preferred Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None for the first year. After that, $75 Annual Fee

Ocean Bank Business Rewards Preferred Credit Card

  • 14.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The Ocean Bank Business Rewards Preferred Credit Card puts your business spending to work; whether you’re lunching at your favorite restaurant or making purchases for your business, for every $1 you spend, you’ll earn unlimited points that can be redeemed for cash, brand name products, and travel opportunities. Business owners will love the introductory APR offer, since 0% APR on both balance transfers and purchases for 6 months after your account is opened can add up to big business savings.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.99% to 22.99% 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: 14.99% to 22.99% 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: 26.99% 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
  • You’re a business owner who will use this card to spend $15,000 or more annually
  • You want to pay down existing debt or make a large purchase to take advantage of the introductory APR offer
  • You want a business rewards card with flexible point redemption options
  • You want to earn unlimited points at a rate of 1 point per $1 spent on every qualifying net purchase

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:

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:

  • 066011392 is the current routing transit number of Ocean Bank
  • 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.
  • 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.
  • Consumers and small businesses with questions should call the bank’s Customer Service Center at 305-569-5000.

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.

Find the Best Card for You

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.