OakStone Platinum Secured Mastercard®
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| Purchase APR (Variable APR) |
10.74% (Verified 01/30/2023) |
| Balance Transfer APR | N/A |
| Credit Score Range | 300 - 850 |
| Annual Fee | $49 |
OakStone Platinum Secured Mastercard® Review
This is a secured credit card card issued by Synovus Bank. If you're wondering whether OakStone Platinum Secured Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. OakStone Platinum Secured Mastercard® has a variable purchase APR of 10.74%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of OakStone Platinum Secured Mastercard
| The Good | The Bad |
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OakStone Platinum Secured Mastercard FAQ
Does OakStone Platinum Secured Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the OakStone Platinum Secured Mastercard benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for OakStone Platinum Secured Mastercard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.OakStone Platinum Secured Mastercard® has a variable purchase APR of 10.74%. It also has a variable cash advance APR of 19.74% .
Does OakStone Platinum Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does OakStone Platinum Secured Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for OakStone Platinum Secured Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $49 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $30 |
| Late Payment Fee | up to $41 |
Does OakStone Platinum Secured Mastercard have a foreign transaction fee?
OakStone Platinum Secured Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for OakStone Platinum Secured Mastercard?
The OakStone Platinum Secured Mastercard customer service number is (888) 796-6887.
What is the support contact email for OakStone Platinum Secured Mastercard?
The support contact email for OakStone Platinum Secured Mastercard is info@synovus.com.
What is the OakStone Platinum Secured Mastercard login page?
You can access the OakStone Platinum Secured Mastercard login page here.
How do people rate the customer service and user experience of OakStone Platinum Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OakStone Platinum Secured Mastercard® report your account activity to credit bureaus?
Yes, OakStone Platinum Secured Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for OakStone Platinum Secured Mastercard
- Visit the OakStone Platinum Secured Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1111 Bay Avenue
Columbus, GA 31902 USA - (888) 796-6887
- Visit Site
- Email Support
Other Services by Synovus Bank
Other Credit Cards by Synovus Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 3% |
| Minimum Cash Advance Fee ($) | $10 |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $49 |
| Minimum Interest Charge | $1.50 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $30 |
| Late Fee Amount | Up to $41 |
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