How to Apply for the Ohio Savings Community Bank American Express Credit Card

The Ohio Savings Community Bank American Express Credit Card is offered in part by the Ohio Savings Bank and American Express. Similar to other New York Community Bank credit card options, the Ohio Savings Bank American Express card features a full initial year of 0% APR and no annual fee. After the first year of 0% APR the card has an APR of 15.99%, 18.99%, 20.99% or 22.99% depending on your creditworthiness.

The Privacy Policy of Ohio Savings Bank is notable for its discussion of information sharing and the privacy of your information you enter in during your application. Read it at this link if you want to learn more.


Before you begin to apply for the card, its necessary to keep in mind the specific requirements outlined by the Ohio Savings Bank. You must be:

  • At least 18 years of age
  • A member of the Ohio Savings Bank
  • In possession of a valid social security number
  • A U.S. resident

How to Apply

For the most time-efficient and methodical way of applying, follow these instructions:

Step 1: Go to This Webpage.

Step 2: The most time-consuming aspect of the application is the form. Fill in the following information:

  • Name
  • Social security number
  • Date of birth
  • Mother’s maiden name
  • Email address
  • Street address (including city, state, and ZIP code)
  • Home phone number
  • Time at current address
  • Housing status (own, rent or other)
  • Monthly housing payment
  • Present employer (and their phone number)

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Step 3: Next you must enter in your income information. Include your annual income according to the rules laid out below the empty field. Also include your bank account balances.

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Step 4: Next you are required to decide if you’d like this to be an individual application or a joint one. If you are applying with a spouse or another person, tick the box beside joint.

In this portion of the application you are also required to decide if you want to complete a balance transfer.

Unfortunately for this credit card you are unable to decide on the design you receive. Click “Confirm Information” and you’re all finished your application.

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