The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • OakStone Gold Secured Mastercard®

    A secured credit card meant for people with poor or no credit histories


    • 14.74% VariableAPR
    • $200Min. Security Deposit
    • $39Annual Fee
    • None–PoorRecommended Credit

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At MoneyGeek, we follow a six-step process to review credit cards. Our methodology involves collecting credit card information, standardizing data points, analyzing potential cardholder profiles, considering annual and introductory bonuses, establishing the card values and reviewing data monthly to reprocess rankings.

The OakStone Gold Secured Mastercard® does not have a strict credit score requirement, which means it can help you rebuild your credit history. It charges a $39 annual fee and requires a minimum security deposit of $200.

MoneyGeek’s OakStone Gold Secured Mastercard® review will help you understand the card’s features and benefits, making it easier to decide if it will be the best fit for your needs.

OakStone Gold Secured Mastercard® Overview

Quick Take

  • $39 annual fee
  • Apply with poor or no credit history
  • Reports to Experian, Equifax and TransUnion
  • Credit limit varies from $200 to $5,000
  • 3% foreign transaction fee

Important Card Details

Understanding the fine print of the OakStone Gold Secured Mastercard® can give you an idea of the various fees charged by this card. In turn, this can help you save money in the long run.

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    Annual fee

    The OakStone Gold Secured Mastercard® charges a $39 annual fee. It’s normal for secured credit cards to charge an annual fee.

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    Foreign transaction fee

    If you use the OakStone Gold Secured Mastercard® internationally, you would have to pay 3% of each transaction.

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    Regular APR

    This card charges a variable APR of 14.74%, which is relatively lower than other cards in the same category

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    Late fee

    You’ll pay a late fee of up to $41 if you’re late when making a payment.

Additional Benefits

MoneyGeek analyzed the OakStone Gold Secured Mastercard®’s features and explained them to help you determine if applying for this card is worth it.

  • Low interest rates: The OakStone Gold Secured Mastercard® has lower interest rates than many other cards in the same category, which can help you save money if you tend to carry a balance.
  • Flexible credit limit: This card allows you to set your credit limit anywhere between $200 to $5,000.
  • Reports to major credit bureaus: The card reports to the three major credit bureaus, including TransUnion, Experian and Equifax, which is essential if you want to rebuild your credit history.

How the OakStone Gold Secured Mastercard® Compares To Other Cards

The OakStone Gold Secured Mastercard® offers a 14.74% APR, which is lower than other cards in the same category. However, it charges a foreign transaction fee and an annual fee. There are other cards in the same category that don’t charge annual or foreign transaction fees. As a result, you might want to consider other options if you want to rebuild your credit.

How the OakStone Gold Secured Mastercard® Compares

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OakStone Gold Secured Mastercard®

  • Annual fee: $39
  • Purchase APR: 14.74% variable
  • International transaction fee: 3% on each transaction
  • Rewards rate: Not offered
  • Best for: People with bad or no credit scores who are looking to rebuild their credit history
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Capital One Platinum Secured Credit Card

  • Annual fee: $0
  • Purchase APR: 29.74% variable
  • International transaction fee: $0
  • Rewards rate: Not offered
  • Best for: People with bad credit scores who are looking to rebuild their credit history with a card that offers multiple security deposit options

Frequently Asked Questions

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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