Bank · FDIC insured
Ocean Bank Credit Card Rates
Ocean Bank credit cards start at 13.49% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Ocean Bank’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Ocean Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Ocean Bank
13.49%APR
- Up to
- 21.49% APR
Platinum Rewards
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
- Up to
- —
2nd-lowest rate
First Choice Credit Union
8.75%APR
- Up to
- —
Ocean Bank credit card score
66
Credit card score
Higher than 15% of U.S. banks and credit unions
- Purchase APRPurchase APR13.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ocean Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum
Must be a U.S. citizen, resident alien or foreign national and maintain a pledged Ocean Bank Personal CD (minimum $500 and equal to the line of credit). Subject to credit approval. Minimum age 18 to apply online. Offer expires April 30, 2027.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles from account opening date. |
| Ongoing | 15.49% | None | Ongoing variable APR after the introductory period. Balance transfer fee of $10 or 2% of the amount of each transfer, whichever is greater. |
Sources (1)
- oceanbank.com/personal/credit-card.html · captured Oct 5, 2026
Platinum Rewards
Must be a U.S. citizen or resident alien and reside in Florida. Subject to credit approval. Minimum age 18 to apply online. Offer expires April 30, 2027.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR for purchases for the first 12 billing cycles from account opening date. |
| Ongoing | 13.49%–21.49% | None | Ongoing variable APR after the introductory period. |
Sources (1)
- oceanbank.com/personal/credit-card.html · captured Oct 5, 2026
World
Must be a U.S. citizen or resident alien and reside in Florida. Subject to credit approval. Minimum age 18 to apply online. Offer expires April 30, 2027.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $99 | 0% introductory APR for purchases for the first 12 billing cycles from account opening date. |
| Ongoing | 13.49%–21.49% | $99 | Ongoing variable APR after the introductory period. |
Sources (1)
- oceanbank.com/personal/credit-card.html · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.