Visa Signature® Unlimited Cash Card — OceanFirst Bank is a personal credit card from OceanFirst Bank. The annual fee is None. The ongoing APR is 18.24% 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. after a 0% introductory APR for the first 12 billing cycles introductory rate. Rewards: You will earn 3% cash back (1.5% base and 1.5% bonus cash back) per $1 spent on eligible Net Purchases for the first 12 billing cycles of your account opening date, up to $20,000; All eligible Net Purchases over $20,000, or after the 12th billing cycle, will earn 1.5% cash back per $1 spent on eligible Net Purchases; You will earn 5% cash back (1.5% base and 3.5% bonus cash back) on eligible Net Purchases for prepaid car rental and hotel reservations booked through the Travel Center using your Unlimited Cash Card.