ONLINE BANKING SYSTEM WILL BE TEMPORARILY UNAVAILABLE - The online banking system will be unavailable due to maintenance from Friday, May 17, 2024, at 10pm ET through Saturday, May 18, 2024, at 2pm ET. For more information, contact our Customer Service Center at 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648), International Toll Free 1-828-623-2625. 

In observance of Veterans Day, we will be closed Saturday, November 11. We will resume regular business hours on Monday, November 13.

Ocean Bank - Financial Results as of December 31, 2023. Continued Financial Strength Learn more

Personal Credit Cards with Benefits from Mastercard®

Personal Credit Cards

Benefits from Mastercard®

Access conveniences and offers that come with your Ocean credit card.


Service & Assistance

Mastercard Global Service™

Speak with a live agent 24/7 to report a lost or stolen card¹ and receive a replacement card as soon as the next business day. You can also arrange for an emergency cash advance. You are not liable for unauthorized transactions on reported lost or stolen cards. 

 

Mastercard ID Theft Protection™

Protect your personal information with suspicious activity monitoring for your credit, debit and bank accounts, passport, driver’s license, Social Security and national identity numbers, address changes and more. Get help from certified identity theft resolution experts to resolve issues. 

Purchase Protection

Extended Warranty

Enjoy double the original manufacturer’s warranty, up to a maximum of 12 months, on most items when you purchase them using your Ocean World card. If any covered item requires repair or replacement, you’ll get reimbursed for the actual cost or up to $10,000, whichever is less.

 

Purchase Assurance Plus

You’re covered if an item purchased with your Ocean World card is damaged or stolen within 90 days from the date of purchase. You’ll be reimbursed the cost to repair or replace it, up to $1,000 per item and $25,000 per 12-month period.

Special Offers

Digital Merchant Offers

Save time and save money with exclusive offers from online merchants for ridesharing, food delivery, online shopping and more.

 

Explore current offers:

www.mastercard.us/world

Travel Perks

Priority Pass Annual Membership

Access more than 1,300 Priority Pass airport lounges at more than 400 airports in 120 countries worldwide².

 

Activate Membership

 

Luxury Travel Services

24/7/365 access to a Lifestyle Manager for assistance before and during your trip. Plus, if you book a qualifying prepaid hotel through Mastercard Travel & Lifestyle Services and you find the same stay for less, you’ll receive a refund for the difference.

 

Trip Delay Reimbursement

Get reimbursed up to $300 per trip (up to $500 per 12-month period) for travel expenses you incur due to travel delays longer than six hours.

 

Trip Cancellation Reimbursement

Get reimbursed up to $2,000 per trip if you experience an unexpected medical issue that requires you to cancel a trip prior to departure date.

 

Baggage Delay Reimbursement

Get reimbursed up to $100 per day for baggage delays.

 

Lost or Damaged Luggage Reimbursement

Get reimbursed up to $1,500 to repair or replace lost or damaged luggage, including your packed belongings.

 

Cellular Wireless Telephone Protection

Get reimbursed up to $600 to replace or repair a stolen or damaged cell phone. Coverage is automatic when you use your card to pay your regularly monthly bill.

 

 



2x Rewards Points

Enjoy the added perk of earning 2 rewards points for every $1 in qualifying purchases³. Select from luxury brand name items, exclusive travel experiences and restaurant and merchant gift cards. You also have the option to receive earned points as cash direct deposits into your Ocean personal checking or savings account, or use points for a statement credit. 

 

Redeem online

 

 

Global Airport Personalized Services

Mastercard Airport Concierge 

Save 15% on Airport Meet and Greet services, including a dedicated agent to escort you through the airport on departure, arrival or any connecting flights. Expedited security and/or immigration clearances are available in some airports.

Car Rental Insurance

MasterRental Insurance Coverage4

Get coverage if you are unable to use your rented vehicle due to damage or theft. Towing costs are covered, too. Coverage is automatic when you use your Ocean World card to rent a car for 31 days or less.

 

 

 

Enjoy the benefits of the World Black Card

Learn how to enjoy these perks and get more information about Mastercard benefits, terms and conditions.

View World Black Card Guide to Benefits

Service & Assistance

Mastercard Global Service™

Speak with a live agent 24/7 to report a lost or stolen card¹ and receive a replacement card as soon as the next business day. You can also arrange for an emergency cash advance. You are not liable for unauthorized transactions on reported lost or stolen cards. 

 

Mastercard ID Theft Protection™

Protect your personal information with suspicious activity monitoring for your credit, debit and bank accounts, passport, driver’s license, Social Security and national identity numbers, address changes and more. Get help from certified identity theft resolution experts to resolve issues. 

Reward Points

Earn 1 reward point for every $1 in qualifying purchases³ and redeem points for brand name merchandise, travel opportunities, restaurant and store gift cards or direct deposits into your Ocean personal checking or savings account. Or, apply points toward a statement credit. 

 

Redeem online

Global Airport Personalized Services

Mastercard Airport Concierge 

Save 15% on Airport Meet and Greet services, including a dedicated agent to escort you through the airport on departure, arrival or any connecting flights. Expedited security and/or immigration clearances are available in some airports.

 

 

Enjoy the benefits of the Platinum Rewards Card

Learn how to enjoy these perks and get more information about Mastercard benefits, terms and conditions

View Platinum Rewards Card Guide to Benefits

Service & Assistance

Mastercard Global Service™

Speak with a live agent 24/7 to report a lost or stolen card¹ and receive a replacement card as soon as the next business day. You can also arrange for an emergency cash advance. You are not liable for unauthorized transactions on reported lost or stolen cards. 

 

Mastercard ID Theft Protection™

Protect your personal information with suspicious activity monitoring for your credit, debit and bank accounts, passport, driver’s license, Social Security and national identity numbers, address changes and more. Plus, get help from certified identity theft resolution experts to resolve issues. 

 

 

Global Airport Personalized Services

Mastercard Airport Concierge 

Save 15% on Airport Meet and Greet services, including a dedicated agent to escort you through the airport on departure, arrival or any connecting flights. Expedited security and/or immigration clearances are available in some airports.

Enjoy the benefits of the Platinum Card

Learn how to enjoy these perks and get more information about Mastercard benefits, terms and conditions

View Platinum Card Guide to Benefits