Credit Cards (US)

OakStone Secured Mastercard® Gold Credit Card full review

Today we will present a secured credit card that fits your financial life, even if you don't have a good credit score. Then, stay with us to the OakStone Gold Secured Mastercard® card full review!

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by Aline Augusto

01/05/2022 | Updated on 06/17/2022

OakStone Gold Secured Mastercard® credit card.

Read our full review to learn more about the OakStone Gold Secured Mastercard®. Source: The Mister Finance.
Read our full review to learn more about the OakStone Gold Secured Mastercard®. Source: The Mister Finance.

OakStone Secured Mastercard® Gold is a credit card for those who have bad or limited credit score or no credit history at all. Besides that, it is for people who want a little more from a secured card. 

Such as, fraud protection, low APR on purchases with no penalty rate, flexibility and agility in the daily routine.

And, as a secured card, you need to deposit cash. But, it works like any other credit card. Also, it provides you a chance to rebuild your credit. 

Credit ScoreNone
Annual Fee$39
APRRegular APR: 14.74% – variable;
Cash Advance APR: 20.74% – variable.
Welcome bonusNone
RewardsNone
OakStone Secured Mastercard® Gold Credit Card

How to apply for OakStone Gold Secured Mastercard®

OakStone Gold Secured Mastercard® credit card is a good option for those who need to rebuild credit. See how to apply for it right now!

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How does the OakStone Gold Secured Mastercard® credit card work?

Know all about the features of the OakStone Gold Secured Mastercard®. Source: Freerange.
Know all about the features of the OakStone Gold Secured Mastercard®. Source: Freerange.

The OakStone Gold Secured Mastercard® helps you build your credit score by reporting monthly to three national bureaus. It also provides you a competitive and low APR for those with bad credit.

Unlike other credit cards, OakStone Gold Secured Mastercard® doesn’t require a minimum credit score. So, you don’t need to worry about your past or how to get a credit card without any credit history.

Finally, it is Mastercard®, which gives you a highly purchasing power. But, it has annual fee and it is not available in NY, IA, AR, or WI.

OakStone Gold Secured Mastercard® card benefits

OakStone Gold Secured Mastercard® managed to launch a secured credit card that gives you the opportunity to rebuild your credit score, with low APR and high credit limit, from $200 to $5,000.

Despite the secured deposit requirement, it is a good option for those who want a little extra from a secured card. 

Moreover, it provides you a free Real-Time Access to credit score and Credit Monitoring, powered by Experian. These reports help you to have an overview on how your score is developing.

In conclusion, check out all pros and cons before deciding to apply for it:

Pros

  • Competitive APR with no penalty rate
  • Fast and easy application process, without fees
  • Doesn’t require minimum credit score
  • Reports to all three nationwide credit bureaus
  • Includes free Real-Time Access to Credit Score and Credit Monitoring
  • Helps rebuild your credit score
  • Provides a high credit limit, from $200 to $5,000

Cons

  • Requires a secured deposit
  • Annual fee
  • 3% foreign transaction fee
  • No rewards or welcome bonus
  • Not available in NY, IA, AR, or WI

How good does your credit score need to be?

To get your credit card, your score doesn’t have to be good at all. Actually, this secured card is great for those who have bad or no credit history.

How to apply for an OakStone Gold Secured Mastercard® credit card?

Now that you know all about this credit card, you will be able to decide if it fits your profile. Then, how about learning more on the application process? Read below!

OakStone Secured Mastercard® Gold Credit Card

How to apply for OakStone Gold Secured Mastercard®

OakStone Gold Secured Mastercard® credit card is a good option for those who need to rebuild credit. See how to apply for it right now!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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