Do you want to know all the credit cards that you can request with Ocean? From Responsible Economy we have analyzed all the credit cards that you can request with Ocean. You will also be able to see a comparison of the best credit cards in the United States in 2023. Let’s start!
Type of credit cards
Ocean offers up to 3 different types of credit cards:
- International World Black
- International Platinum Rewards
- Platinum
We are going to explain in detail the characteristics of each card:
Platinum
The Platinum credit card is a secured credit card. This means that we can request it without a credit score or with a very low credit score. These cards force you to previously deposit the money as a guarantee. Once you have been good to pay, the money deposited will be returned to you.
The interest rate of this card varies between t, 14.24% to 22.24%. Now, the first 12 months you have an offer in which you do not pay interest.
This credit card does not have annual commissions but it does not have cash back either.
International Platinum Rewards
Ocean International Platinum Rewards credit card although the first 12 months is free.
The interest rate varies between 14.24% to 22.24% but the first 12 months is 0%.
For every dollar spent with the card you receive one point. But we have no information on how much each point is worth in dollars. Normally these types of points are equivalent to a discount between 0.5% and 1%.
World Back
Ocean’s World Back Credit Card has an annual fee of $95.
The interest rate varies between 14.24% to 22.24% but the first 12 months is 0%.
For every dollar spent with the card you receive two point. But we have no information on how much each point is worth in dollars. Normally these types of points are equivalent to a discount between 1% and 2%.
This credit card has protection on purchases and flights. It also has special discounts at airports and online purchases.
Comparison with the best credit cards
We have made a comparison of Ocean credit cards with the best credit cards you can apply for in the United States in 2023:
- Fees: $0
- Cashback: 1,5%-6,5%
- Bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 2%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $95
- Cashback: 1x-5x
- Welcome bonus: 60.000 points
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-10%
- Welcome bonus:$200
- Credit Score: 690-850
- Fees: $95
- Cashback: 2x-5x
- Welcome bonus:75.000 miles
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 3%
- Welcome bonus: $200
- Credit Score: 690-850
Pros and cons
After all the review carried out on Ocean credit cards and comparing it with the best credit cards, we have made a table with all the advantages and disadvantages:
| Pros | Cons |
|---|---|
| No fees on some cards | No welcome bonus |
| Cash back up to 2% | Cash back lower than the best cards |
| Lack of information |
Requirements
The requirements to apply for Ocean Bank credit cards are the following:
- Must be over 18 years old
- Have a Social Security
- Live in the United States
- Have an American phone
Conclusion and opinions
After all the review carried out, our opinion is that Ocean credit cards are not competitive because they do not have a welcome bonus, the cash back is lower and some of their cards have annual fees.
More information about Ocean
We have made a table with more information about Ocean:
| Information | Description |
|---|---|
| Website | https://www.oceanbank.com/ |
| Phone | 305-569-5000 |
| https://www.facebook.com/oceanbankUS/ | |
| https://mobile.twitter.com/oceanbankusa |
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Updated the day 2 March, 2023 by Alfredo Barandiarán
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