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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

Pay down balances, maximize cash back, earn rewards,
and build credit with OceanFirst Bank consumer credit cards.

Apply Now

Money when you need it

Credit That Works with You

Never feel financially strained again with credit cards that reward you for spending when and how you need.

Access features like: 

  • Card acceptance at locations worldwide
  • Convenient mobile purchasing
  • Zero Fraud Liability should your card be lost or stolen
  • Cardmember services available around the clock
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

Connect with Us

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