The OceanAir Federal Credit Union is a personal credit card from OceanAir Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 18.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. after a 0.00% Introductory APR for 12 months from account opening (balance transfers) introductory rate. Signup bonus: 3,000 bonus points when you spend $1,500 in qualifying purchases within your first 90 days; 500 bonus points when you first access the Epic Rewards Credit Card Portal. Rewards: Up to 5 points per dollar spent on everyday transactions; redeem for gift cards, cash back, merchandise, gas discounts, and more.