Ocean credit card review

1 min Read Published: 05 Jan 2024

In this article, we review the Ocean credit card from Ocean Finance, which is best known for its loan products. This card is aimed at those with poor credit scores.Ocean finance credit card

Key facts about the Ocean credit card

  • Best for: Those with little credit history or those with previous defaults or CCJs
  • Introductory offer: No introductory offers
  • Representative APR: 39.9% variable
  • Fees: No annual fee
  • Perks: No specific perks

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  • 26.5% APR Representative (variable)

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Pros of the Ocean credit card

  • Capacity to use the card to improve your credit rating over time
  • 56 days interest free credit on purchases if you pay off the balance in full on time each month
  • Credit limit can be reviewed twice a year
  • Get a response in 60 seconds
  • Up to £8,000 credit limit

Cons of the Ocean credit card

  • The APR is quite high, which is something to bear in mind if you aren't in a position to pay off the balance each month
  • The initial credit limit can be as low as £200, although it could be as high as £8,000, subject to status

How to manage your payments on the Ocean credit card

The account can be managed online. You can also set up text reminders for payments.

How to find out which credit card is best for you

Money to the Masses uses Creditec*, an online comparison service that enables you to find credit card deals tailored to you without affecting your credit score. You will want to compare as many different options as possible before you get a new credit card, so it is a good idea to do a fast online comparison. With only a few basic details, the Creditec tool will build a personalised list of credit cards suited to your needs to help you navigate the huge number of options out there. You can then pick the result that suits you best. None of this will affect your credit score as the eligibility process uses a soft credit check. Click here to start your comparison*.

How to apply for the Ocean credit card

Use Ocean Finance's QuickCheck eligibility checker to see if you are likely to be accepted. This will not appear on your credit file.

Alternatives to the Ocean credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.