Visa® Business Cash Preferred Card — OceanFirst Bank is a business credit card from OceanFirst Bank. The annual fee is None. The ongoing APR is 17.49% to 26.49% 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 12 billing cycles introductory rate. Signup bonus: $500 cash back When you spend $5,000 within the first 150 days. Rewards: You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers; All other eligible Net Purchases may earn 1% cash back; In addition, you will earn 5% (1% base and 4% bonus) for every dollar in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Travel Center using your Business Cash Preferred Card.