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!
OakStone Gold Secured Mastercard® credit card.
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.
|Regular APR: 14.74% – variable;
Cash Advance APR: 20.74% – variable.
How does the OakStone Gold Secured Mastercard® credit card work?
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.
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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:
- 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
- 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!
About the author / Aline Augusto
Reviewed by / Aline Barbosa
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