Credit Cards

Eligibility: International Platinum Rewards - You must be a foreign national and maintain a $100,000 minimum qualifying Ocean deposit relationship. A qualifying deposit is an unrestricted and unencumbered consumer deposit at Ocean held only in the name of applicant, the co-applicant or both.  Platinum - You must be a U.S. citizen, resident alien or foreign national and maintain a pledged Ocean personal CD (minimum $500 and equal to the amount of the line of credit). Business Rewards Select - Business and guarantor must be or become a customer of Ocean, guarantor must be a U.S. citizen, resident alien or foreign national and the business must operate in the State of Florida or outside the U.S. and maintain a pledged Ocean business CD (minimum $500 and equal to the amount of the line of credit).

Subject to credit approval.

To apply for a credit card online, you must be at least 18 years of age.

Variable APRs are accurate as of July 28, 2022. Annual percentage rate may vary.

Offer expires April 30, 2023. 

Download personal credit card agreement

Download business credit card agreement

¹Purchases: 0% Introductory APR for the first 12 billing cycles for personal cards and the first 6 billing cycles for business cards from the date your account is opened. Balance Transfers: 0% Introductory APR is available for new and existing customers and is valid for the initial eligible balance transfers posting to the account in the first 12 months from account opening date for a promotional period of 12 billing cycles for personal cards and the first 6 months from account opening date for a promotional period of 6 billing cycles for business cards, starting on the date the first balance transfer posts. After the initial balance transfer, subsequent balance transfers during the first 12 months for personal cards and the first 6 months for business cards will be at the 0% promotional rate and will end at the same time as the initial balance transfer. Any other balance transfers posting after the initial 12 months for personal cards and the initial 6 months for business cards will be at the non-promotional Balance Transfer APR. Customers who have been 30 days or more delinquent in the preceding 12 months from the date the transfer request is processed, do not qualify for this offer. For Business Rewards Select, a balance transfer fee of $10 or 4% of the amount of each transfer, whichever is greater, will apply. For International Platinum Rewards and Platinum, a balance transfer fee of $10 or 2% of the amount of each transfer, whichever is greater, will apply. The available credit limit for the new card will be reduced by the total amount of the transfers, including fees. It will take at least 15 days after the account is opened to process any balance transfer payments. During this time, customers may cancel or modify the balance transfer request by contacting their Account Officer. Customers may transfer any amount, but the total amount of the balance transfer plus fees and purchases must be less than or equal to the available credit limit. Customers must not transfer any purchases or other charge amounts disputed because they may lose their dispute rights. Customers may not transfer balances from other credit accounts or loans issued by Ocean or its affiliates. Customers must continue to make payments on their transferred accounts until they have confirmed this balance transfer has been received by their creditor.

²Earn 1 reward point for every $1 in qualifying net purchases. A qualifying net purchase is a purchase minus returns and/or other related credits. For Business Rewards Select, rewards can be redeemed by the company only and not the cardholder.

³$500 (CD) minimum or the CD amount must equal the line of credit amount.

⁴After the initial 12 months, if company spends $15,000 or more in prior year, the fee will be waived for the current year.

⁵Zero Liability Protection applies to purchases made in-store, over the telephone, online, or via a mobile device and ATM transactions.

⁶Requires enrollment in eZCard.

⁷Available for business credit cards.

Mastercard benefits are subject to change at any time without notice.

Intuit and QuickBooks are trademarks and service marks of Intuit Inc., registered in the United States and other countries.