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You Choose The Card That's Right for You.... Oregon Coast Bank credit cards include Visa Platinum Preferred Points, Visa Platinum Low Rate, Visa Classic Preferred Points, Visa Classic Low Rate and MasterCard Gold. All cards are accepted worldwide at businesses, financial institutions and ATMs displaying the CIRRUS logo. Flex Miles Cards reward you with free airline tickets. Applying is easy. Download our Credit Card Application or ask for one at your local Oregon Coast Bank office. Then complete it and mail it back. Your application will be processed quickly so you can start using your card right away.
Enjoy the Benefits of Flex Miles When you choose our Preferred Points card, you will receive a low introductory rate in addition to flexible reward options to treat yourself. Earn one point for every $1 spent on your credit card, and you can redeem your points to receive rewards.
	3000 Point Bonus: 1,000 points per month will be given as a reward for purchases made on the first 3 billing statements.
	Travel: Have a variety of travel options to choose from including free round-trip flights, discounted air fare, free hotel stays, cruises and much more.
	Cash Back: Have the convenience of cash when you want it most! Redeem points to shop, dine, or have a fun night on the town.
	Gifts cards and Merchandise: Choose from hundreds of brand name items in electronics, jewelry, appliances, OR select a gift card from your favorite restaurant or retailer.

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	*Visa Platinum* Preferred Points	Visa Platinum Low rate	*Visa Classic* Preferred Points	Visa Classic Low rate	**Gold MasterCard Preferred Points**	Gold MasterCard Low rate
Introductory APR	2.90% until the end of 6 billing cycles from the date the account is opened.	2.90% until the end of 6 billing cycles from the date the account is opened.	2.90% until the end of 6 billing cycles from the date the account is opened.	2.90% until the end of 6 billing cycles from the date the account is opened.	2.90% until the end of 6 billing cycles from the date the account is opened.	2.90% until the end of 6 billing cycles from the date the account is opened.
APR on Purchases after Introductory Period	Index + 11.9% See explanation of index based variable rate below*	Index + 6.99% See explanation of index based variable rate below*	Index + 11.99% See explanation of index based variable rate below*	Index + 7.9% See explanation of index based variable rate below*	Index + 7.9% See explanation of index based variable rate below*	Index + 7.9% See explanation of index based variable rate below*
Annual Fee	None	None	None	None	None	None
Grace Period	25 days for purchases. No grace period for Cash Advances	25 days for purchases. No grace period for Cash Advances	25 days for purchases. No grace period for Cash Advances	25 days for purchases. No grace period for Cash Advances	25 days for purchases. No grace period for Cash Advances	25 days for purchases. No grace period for Cash Advances
Cash Advance Fee	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater	$10.00 or 3.00% of the amount of each balance transfer or cash advance whichever is greater

*After the introductory period, the rate will vary based on the Index (The Wall Street Journal Prime Rate) plus a margin. The APR will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or holiday. Changes in the Index will take effect on the first billing cycle in the month after a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased finance charges on the account. As of July 23, 2010, the Index was 3.25%. The account will never have an APR over 21%.