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OceanFirst Bank has a new look, with the same great service you trust! Explore our updated site today. 

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Welcome to OceanFirst Bank's New Site!

Thanks for visiting! While our website has a fresh new look, all your personal and business banking tools are right here where you need them. Everything you count on is still just a click away.

Personal credit cards

Your Money, Your Way

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

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Money when you need it

Credit That Works with You

OceanFirst has partnered with Elavon, a leading global payments provider, to offer you payment processing solutions. Elavon offers the latest in payment technology, so you can give your customers the choice to pay however they want. Whether you accept payments online, in person, in-app or over the phone, Elavon and OceanFirst have you covered.

Access features like: 

  • Fast funding options – same day funding, next day availability
  • Ability to accept all payment types – chip cards, pin/debit cards, mobile payments and more
  • Latest in payment technology including smart terminals, in-person, online and tablet-based solutions
  • 24/7/365 customer service and a dedicated Customer Account Manager
  • Solutions to help protect your business from credit card fraud
  • Loyalty programs to grow, retain and market your business
  • Solutions tailored to your business provided by a merchant services professional
Apply for a Credit Card
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Credit card options

Flexibility at Your Fingertips

Find the credit card that makes the most sense for you.

Enjoy the everyday convenience of a credit card while saving on interest with an extended low introductory rate.

Details: 

  • 0% intro APR for balances/purchases for 18 months
  • After 18 months, 18.24%-29.24% based on your creditworthiness when you open your account
  • APR varies 
  • No annual fee 
  • Save on interest 
  • Pay in full or pay down over time
Apply Now

Earn up to 4x unlimited points AND receive a $150 bonus.

Details: 

  • 0% introductory APR for balances/purchases for the first 6 billing cycles
  • After six billings, 19.49% to 29.74% based on your creditworthiness when you open your account
  • 4x unlimited points on dining, take-out & food delivery
  • 2x unlimited points at grocery stores, grocery delivery, gas stations, and streaming services
  • 1x unlimited points on all other eligible purchases
  • Earn 15,000 points when you spend $500 within the first 90 days of account opening
  • No annual fee
Apply Now

Get more value with up to 5% cash back on purchases in the two categories you choose.

Details:

  • APR for Purchases: 19.49% to 29.74% based on your creditworthiness when you open your account
  • Intro APR for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. After that, 19.49% to 29.74% based on your creditworthiness when you open your account
  • 2% unlimited cash back on one everyday category of your choice
  • 1% unlimited cash back on all other eligible purchases
  • $150 bonus reward after you spend $500 within the first 90 days of opening an account
  • No annual fee
Apply Now

Earn 4x unlimited points on travel and more, plus receive a $250 bonus.

Details: 

  • APR for Purchases and Balance Transfers: 19.74% to 29.74% based on your creditworthiness when you open your account 
  • 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
  • 1.5x unlimited points on all other eligible net purchases
  • Earn 25,000 points when you spend $2,000 within the first 120 days of account opening
  • $0 introductory annual fee for the first 12 months. After that, $99
Apply Now

Enjoy premium rewards and benefits, plus receive a $500 bonus.

Details: 

  • APR for Purchases and Balance Transfers: 19.74% to 29.74% based on your creditworthiness when you open your account
  • 6x unlimited points on travel booked through the Rewards Center
  • 2x unlimited points on all other eligible net purchases
  • Earn 50,000 points when you spend $4,500 within the first 90 days of account opening
  • $390 annual fee
Apply Now

Make improving your credit score even more rewarding with up to 5% cash back in the two categories you choose.

Details: 

  • APR for Purchases and Balance Transfers: 29.99%
  • 2% unlimited cash back on one everyday category of your choice
  • 1% unlimited cash back on all other eligible purchases
  • No annual fee
Apply Now

A card that's perfect for anyone who wants to improve or establish their credit.

Details: 

  • APR for Purchases and Balance Transfers: Secured: 29.24%
  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on your companion-secured savings account
  • No annual fee
Apply Now

Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back) and work towards building a strong financial future.

Details:

  • Intro APR for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account. Platinum Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account
  • Get 2,500 bonus points after your first purchase
  • No annual fee
Apply Now

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Whatever stage of your financial journey you’re on, we can assist.