OakStone Platinum Secured Mastercard®

Low APR, credit reporting secured card with up to $5,000 credit. Damaged or No credit history accepted.

Updated: Dec 09, 2021

Advertiser Disclosure

The prime OakStone Platinum Mastercard® is a secured credit card issued by Synovus Bank. The card comes with a secured credit line that can range from $200 to up to $5,000 depending on your security deposit and bank set limits during the application process. Moreover, this OakStone Platinum card does not have application and process fees. It offers very low interest for a reasonable annual fee.




9.99% Variable



19 User Ratings

OakStone Platinum 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! Super Low 9.99% 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 Platinum Secured Mastercard® details

Our Take

OakStone Secured Mastercard from Synovus Bank comes as Platinum and OakStone Gold offers. The OakStone Platinum offers a low %9.99 APR, and a reasonable annual fee. The credit limit for this card is up to $5,000 and it has no application, no penalty, and no processing fees. Even if you have damaged or no credit at all, you can easily get approved for the Platinum OakStone card with a full range of Mastercard benefits. The best OakStone alternative is Sable ONE Mastercard.

What are OakStone Platinum Card Benefits?

  • High credit line. Applicants may have secured credit line up to $5,000.
  • Credit reporting. The issuer will report all credit activity to the main 3 Credit Bureaus monthly.
  • Low interest. Cardholders will receive low variable APR. The current APR rate is 9.99%.
  • No minimum credit score requirements. You can get approved for this Platinum card even if you have bad credit or no credit history at all.
  • Fast application. Easy and fast online application.

How does it work?

  1. Application. Fast online application and instant approval even if you have damaged or no credit at all.
  2. Processing. The issuer will process your application to see if you qualify and what your credit limit will be.
  3. Approval. Once approved, you will need to open FDIC insured savings account to submit your security deposit.

OakStone’s Platinum Card 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: 9.99%
Regular APR Type: Variable
Annual Fee: $49
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 Platinum Secured Mastercard® Alternatives

OakStone Platinum Secured Mastercard®

OakStone Platinum 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.

*The information provided for OakStone Platinum 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 Platinum Secured Mastercard®

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OakStone Platinum Secured Mastercard®

OakStone Platinum Secured Mastercard®

Min. Credit Required: Bad Credit OK

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