Visa Signature® Travel Rewards+ Card — OceanFirst Bank is a personal credit card from OceanFirst Bank. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.. Signup bonus: Earn 25,000 points (worth up to $250) When you spend $2,000 within the first 120 days. Rewards: You will earn 1.5 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle; In addition, you will earn 4 Points (1.5 base Points and 2.5 bonus Points) per dollar spent on eligible Net Purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station and electric vehicle charging station (at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will only earn 1 Point), entertainment, and recreation category codes.