Visa® Zero+ Card — OceanFirst Bank is a personal credit card from OceanFirst Bank. The annual fee is None. The ongoing APR is 17.49% to 28.49% 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 21 billing cycles introductory rate. Rewards: You will earn 4% Cash Rewards for every $1 in eligible Net Purchases on prepaid air, car rental, attractions, and hotel purchases made via the Travel Center; An automatic statement credit of $15 per 12-month period will be applied to your Elan Zero+ Card Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or over limit).