Credit Cards

OakStone Gold Secured MastercardReview

The OakStone Gold Secured Mastercard is a good financial option for people who have a limited credit history and are looking for an opportunity to build their credit. Check out all about it here!

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Note: This offer is no longer available. Also, some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

OakStone Gold Secured Mastercard credit card

Learn all about the card. Source: OakStone.

Do you often find yourself short on cash when the month comes to an end? Are you tired of having to juggle bills and debts? If so, then a new credit card may be just what you need. The OakStone Gold Secured Mastercard is a great option for people who are looking for a way to improve their credit score, and you’ll learn all about it in this review!

This credit card is a unique offer that comes with a lot of benefits. It is designed for people who want to build or rebuild their credit history. The card helps you to improve your credit score and it can also lead to lower interest rates on other loans down the road.

With OakStone Gold Secured Mastercard credit card, you get easy access to your account information, 24/7 customer service, and fraud protection. Plus, you earn points every time you use your card which can be redeemed for cash back, travel rewards, and more!

If you are looking for a way to improve your credit score, then OakStone Gold Secured Mastercard credit card is the perfect option for you – read our OakStone Gold Secured Mastercard review to find out all important information and see if it’s a match.

Credit ScorePoor, No Credit Required
Annual Fee$39
APRRegular APR: 14.74% (variable);
Cash Advance APR: 20.74% (variable).
Welcome bonusIt doesn’t offer welcome bonus
RewardsIt doesn’t offer rewards

What is OakStone Gold Secured Mastercard?

OakStone Gold Secured Mastercard credit card is one of the most amazing secured cards on the market.

This credit card is designed for those who want to improve their bad credit history and those who don’t have a good enough history to apply for unsecured cards.

This credit card has a nice range of features and benefits – which you can check by keep reading our OakStone Gold Secured Mastercard review.

OakStone Gold Secured Mastercard Credit Card: is it good?

African american woman with tablet and credit card
Check out the card’s pros and cons. Source: Adobe Stock.

OakStone Gold Secured Mastercard is a great way to build or rebuild your credit. It’s a secured credit card, so you put down a security deposit that becomes your credit limit.

And because it’s from OakStone, you know you’re getting a quality product with all the features and benefits you need.

With this card, you’ll enjoy a low annual fee and no interest on purchases made within the first 90 days. Plus, if you use your card often, you could see your credit score improve over time.

Pros

  • No credit checks
  • Reasonable APR;
  • No monthly servicing fees or application processing fees
  • Can be used to make foreign transactions
  • Reasonable annual fee

Cons

  • Requires checking account to be approved
  • Mobile app only available on Android

What credit score do you need to get a OakStone Gold Secured Mastercard?

To apply for an OakStone Gold Secured Mastercard, your credit history must show that you have had an open account with at least one balance for six months or more.

If you have a limited credit history, then you will need to provide proof that your income exceeds your expenses and debts, such as a bank statement from the last three months.

That being said, you should know that there are no minimum credit score requirements. All credit types are invited to apply, and there are no processing or application fees.

So if you have a limited credit history, damaged credit, or no credit history at all, and want to rebuild or even build a credit history, the OakStone Gold Secured is just the perfect fit for you.

Want to apply for OakStone Gold Secured Mastercard Credit Card?

OakStone Gold Secured Mastercard credit card has a nice range of features and benefits, and today you’ll learn how to apply for it!

This card helps rebuild your credit score, offers credit lines available from $200 to $5,000, there are no minimum credit score requirements, and includes free access to your credit score. Plus, it has a fast and easy application process.

With its reasonable APR, the Oakstone Gold Secured Mastercard is an outstanding secured card that provides you with the benefits and features necessary for day-to-day use. 

So, keep reading to see how to apply to the OakStone Gold Secure Mastercard Credit Card.

Apply online

Woman writing on notebook; computer
Check out how to apply online. Source: Unsplash.

If you want to apply to OakStone Gold Secured Mastercard, here’s how it should be done.

The only thing you have to do is to visit the OakStone website, fill in an online application form, upload a copy of your ID, take a picture of yourself holding the ID, accept terms and conditions and submit an application form.

You’ll obtain an answer within 30 minutes if you are approved for the card or not.

If approved, you have to send back signed documents by mail in order to activate your credit card. Once your credit card is active, you can use it in any merchant that accepts Mastercard. You will receive the card within 7-10 business days after submitting all signed documents in the mail.

Apply using the app

The company has an app for Android users, and is still working to build an app for iOS users.

If you want to apply for the OakStone Secure Credit Card, you’ll need to follow the steps to apply via website.

OakStone Gold Secured Mastercard vs. OpenSky Secured Visa 

But if you are still not sure if the OakStone Gold Secured Mastercard is the best option for your financial needs, don’t worry.

We have prepared a comparison table for you to know more about another good card available on the market, the OpenSky Secured Visa. So, take a look before making your decision!

OakStone Gold Secured Mastercard OpenSky Secured Visa 
Credit ScorePoor (300), No Credit Required Poor (300) to average (689)
Annual Fee$39 $35
APRRegular APR: 14.74% (variable);
Cash Advance APR: 20.74% (variable).
Regular APR: 20.39% (variable);
Cash Advance APR: 20.39% (variable).
Welcome bonusThis card does not offer welcome bonus This card does not offer welcome bonus
RewardsThis card does not offer rewards This card does not offer rewards
Cartão de crédito Opensky Secure Credit Card

OpenSky® Secured Visa® Credit Card Review

With the OpenSky Secured Card, you can enjoy benefits such as flexible credit limit, setting the credit limit, as low as $200, and much more. Check out how to apply!

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