Visa Signature® Max Cash Preferred Card — OceanFirst Bank is a personal credit card from OceanFirst Bank. The annual fee is None. The ongoing APR is 17.99% 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. after a 0% introductory APR for the first 12 billing cycles introductory rate. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days. Rewards: You will earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your one chosen 2% (1% base & 1% bonus) category; All other Net Purchases earn 1% cash back.