OakStone Gold Secured Mastercard®

Prime Gold secured credit card with up to $5,000 credit and monthly credit reporting

Updated: Dec 09, 2021

Advertiser Disclosure

Issued by Synovus Bank, the OakStone Gold Mastercard® is a secured credit card with up to a $5,000 secured credit line. It is designed for credit building and rebuilding purposes and comes with monthly credit reporting as well as low interest and has no application or processing fees. The application process is done all online and is very fast and easy.




13.99% Variable



14 User Ratings

OakStone Gold Secured Mastercard®

at Oakstone's Secured website

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Introductory APR


Intro APR Period


Minimum Credit Score

Bad Credit OK

Key Features

  • Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Gold Secured Mastercard® details

Our Take

Issued by Synovus Bank, the OakStone Gold Secured card features monthly credit reporting, up to $5,000 secured credit, and a fast online application. It is designed for those who are looking to build or rebuild their credit in a short time while having access to the full Mastercard® benefits package and paying lower than average fees. This card is also available as an OakStone Platinum version with a lower interest rate.

How does OakStone Gold work?

  1. Apply Online. Application for Gold card is done online and is very fast and easy.
  2. Wait for processing. The issuer will process your information in order to approve or deny your application.
  3. Get Approved. If you are approved, all you need to do next is to open a savings account and submit your deposit.

What are OakStone Gold Card Benefits?

  • 3-Bureus reporting. The issuer will report all credit activities to the main Credit Bureaus on monthly basis.
  • High secured credit. Applicants may have from $200 to up to $5,000 secured credit line. (Sabre Secured Card offers up to $10K)
  • Tool to build credit. With monthly credit reporting and a high credit line, this card is a great tool to fix, build or rebuild tarnished credit fast.
  • No minimum credit requirements. You don’t need to have a credit history to get approved. All credit scores are considered.
  • Easy and fast application. The application takes just a few minutes to complete and the response is fast, too.
  • Little fees. The card has no application and no processing fees.

Are there any drawbacks?

  • No rewards or bonus. There is no bonus or rewards associated with this card. It is solely targeted to build and improve credit.
  • Annual fee. The card has a $39 annual fee. (See cards with No Annual Fee)
  • Not available in all States. The OakStone’s Gold offer is not available in Arkansas, Iowa, New York, and Wisconsin.

OakStone’s Gold Competition

Frequently Asked Questions

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Basic Information
Issuer: Synovus Bank
Network: VISA®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • Low Interest Rate
  • Starter
  • Building Credit
  • Damaged Credit
  • High Credit Limit
  • Rebuild Credit
Rewards: No
Rates & Fees
Regular APR: 13.99%
Regular APR Type: Variable
Annual Fee: $39
Balance Transfer: No
APR on Cash Advances: 18.99%
Grace Period: Up to 25 days
Late Payment Fee: Up to $40
Other Fees:
  • Foreign transaction fee: 3%
  • Returned payment fee: Up to $29
  • Minimum Interest: $1.50

OakStone Gold Secured Mastercard® Alternatives

OakStone Gold Secured Mastercard®

OakStone Gold Secured Mastercard®


Annual Fee


Regular APR


Intro APR


Min. Credit Level

Bad Credit OK

Additional Information & Comments

- Not available in the states of AR, IA, NY, or WI.
- Must have a valid debit, credit, or prepaid account.

*The information provided for OakStone Gold Secured Mastercard® is believed to be accurate at the time of evaluation or recent update on December 09, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

OakStone Gold Secured Mastercard®

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OakStone Gold Secured Mastercard®

OakStone Gold Secured Mastercard®

Min. Credit Required: Bad Credit OK

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