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Ocean Bank International Platinum Rewards Card card

Ocean Bank International Platinum Rewards Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$0 for the first year. After that, $75
Recommended credit
Excellent / Good
Card network
Mastercard
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

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.

Our review of the Ocean Bank International Platinum Rewards Card

The Ocean Bank International Platinum Rewards Card, offered by Mastercard®, boasts a competitive APR of around 12% for both purchases and balance transfers. This means significant savings when using the card for large purchases or debt repayment. Additionally, the card features a lengthy introductory period with 0% APR for twelve billing cycles from account opening, providing substantial savings opportunities.

Designed for customers with a minimum qualifying deposit, the card has an annual fee of $75 ($0 for the first year) which is easily offset by its rewards program. Cardholders earn 1 reward point per $1 spent on everyday purchases, both domestically and internationally. Enjoy peace of mind with card security features and redeem rewards points for cash, travel, shopping, gift cards, and more.

Benefit from additional privileges such as extended family member card options, online account management, and Mastercard®’s identity theft resolution services. With benefits like Global Emergency Assistance and 15% savings on airport meet and greet services, the Ocean Bank International Platinum Rewards Card offers added value.

While the card charges a 3% foreign transaction fee, the low APR, generous intro APR period, and rewards program make it a compelling choice for those seeking travel and cash rewards while saving money on interest. Consider applying for the Ocean Bank International Platinum Mastercard for a rewarding credit card experience.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 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

Who this card may suit

  • 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

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$0 for the first year. After that, $75
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR16.99% variable based on the Prime Rate
Intro Balance Transfer APR0% for 12 months from account opening date
Balance Transfer APR16.99% variable based on the Prime Rate
Balance Transfer Transaction FeeEither $10 or 2% of the amount of each transfer, whichever is greater
Cash Advance APR26.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 4% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $37
Return Payment Penalty FeeUp to $37

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Ocean Bank International Platinum Rewards Card

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