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OakStone Gold Secured Mastercard® review

This credit-building card has a $39 annual fee and a $200 minimum secured deposit.

  • Get this card if you have poor credit and you want to improve it.
  • Pick something else if you want to earn rewards.
  • Apply with poor credit or with no credit history.
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Annual fee


Purchase APR (variable)


Recommended credit score


Annual fee$39
Welcome OfferN/A
Purchase APR13.99% variable
Balance transfer APRN/A
Recommended minimum credit score300

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The OakStone Gold Secured Mastercard® is a simple secured card with a $39 annual fee. Because it reports to all three major credit bureaus — TransUnion, Experian and Equifax — it can help build your credit. Also, it has relatively low-interest rates compared to similar secured cards, which can save you money if you carry your balance. And that’s pretty much all this card offers.

On the downside, there are no introductory interest rates or rewards of any kind. Another thing to keep in mind is that residents of Arkansas, Iowa, New York and Wisconsin cannot apply for the card.

How to apply for the OakStone Gold Secured Mastercard®

Applying for the OakStone Gold Secured Mastercard® is simple compared to some credit cards. Here’s how it works:

  1. Click Apply now.
  2. Fill out the application form.
  3. Review the form and submit.

What credit score do I need?

You can apply with poor credit or with no credit history.

OakStone Gold Secured Mastercard® benefits

  • Build credit. The card reports your activity to the three major credit bureaus — TransUnion, Experian and Equifax. With timely payments, you can build your credit.
  • No minimum credit score requirements. You can apply with poor credit or with no credit history and still get a credit card approval.
  • High credit limit. You can deposit anywhere between $200 and $5,000 to act as your credit limit.
  • Relatively low APR. With variable interest rates of 13.99%, this is lower than most secured card competitors.

What to watch out for

  • Requires a secured deposit. You can only use the card if you make a secured deposit.
  • Not available in some states. This credit card is not available for those who live in Arkansas, Iowa, New York and Wisconsin.
  • Annual fee. The card costs $39 annually. This is the typical fee for most secured cards, although there are a few secured cards that don’t charge an annual fee at all.
  • Foreign transaction fees. There’s a 3% foreign transaction fee for every transaction made abroad or online with foreign merchants.
  • No rewards program. Although rare, some secured cards offer a rewards program in the form of cash back. Unfortunately, this card isn’t one of them.

Compare credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.
Self Visa® Credit Card
Starting at $100
21.74% variable
Build your credit with a low minimum security deposit of $100 and no credit score required.
Surge Secured Mastercard®
Starting at $300
19.99% variable
Earn 1% cash back rewards.

Compare up to 4 providers

What do customers say?

There are no reviews regarding the OakStone Gold Secured Mastercard®, but there are some for Synovus Bank, the card issuer. The Better Business Bureau (BBB) has accredited Synovus Bank since 1990 and rates the bank with an A+.

Bottom line

The OakStone Gold Secured Mastercard® is a simple secured card aimed at those who have poor credit or no credit history. Because it reports to the three major credit bureaus, it can help you build credit. If this secured card isn’t right for you, and you don’t want to pay an annual fee, compare no-annual-fee secured cards.

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