Visa Infinite® Reserve Rewards+ Card — OceanFirst Bank is a personal credit card from OceanFirst Bank. The annual fee is $390. 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 50,000 bonus points (worth up to $500) When you spend $4,500 within the first 90 days. Rewards: You will earn 2 Points per dollar spent on eligible net purchases charged to your Account during each billing cycle; In addition, you will earn 6 Points (2 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases for prepaid airfare, car rental, and hotel reservations booked directly in the Travel Center using your rewards credit card instead of Points.