Last Updated: 07/28/2025
OakStone Secured Mastercard® Gold Credit Card
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in Credit Cards from Synovus Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
300 - 850
Annual Fee
$39
OakStone Secured Mastercard® Gold Credit Card Review
This is a secured credit card issued by Synovus Bank. If you're wondering whether OakStone Secured Mastercard® Gold Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 18.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of OakStone Secured Mastercard® Gold Credit Card
| The Good | The Bad |
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OakStone Secured Mastercard® Gold Credit Card FAQ
Does OakStone Secured Mastercard® Gold Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for OakStone Secured Mastercard® Gold Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.OakStone Secured Mastercard® Gold Credit Card has a variable purchase APR of 18.24%. OakStone Secured Mastercard® Gold Credit Card does not offer balance transfers. It also has a variable cash advance APR of 24.24% .
Does OakStone Secured Mastercard® Gold Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. OakStone Secured Mastercard® Gold Credit Card does not offer balance transfers.Does OakStone Secured Mastercard® Gold Credit Card 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 Secured Mastercard® Gold Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
There is a late fee of up to $41 . Does OakStone Secured Mastercard® Gold Credit Card have a foreign transaction fee?
OakStone Secured Mastercard® Gold Credit Card charges a foreign transaction fee of up to 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 Secured Mastercard® Gold Credit Card?
The customer service number for OakStone Secured Mastercard® Gold Credit Card is (888) 796-6887.
What is the support contact email for OakStone Secured Mastercard® Gold Credit Card?
The support contact email for OakStone Secured Mastercard® Gold Credit Card is info@firstlatitude.com.
How do people rate the customer service and user experience of OakStone Secured Mastercard® Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OakStone Secured Mastercard® Gold Credit Card report your account activity to credit bureaus?
Yes, OakStone Secured Mastercard® Gold Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Synovus Bank perform a hard credit pull?
Yes, OakStone Secured Mastercard® Gold Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for OakStone Secured Mastercard® Gold Credit Card
- Visit the website of OakStone Secured Mastercard® Gold Credit Card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
Other Services by Synovus Bank
Other Credit Cards from Synovus Bank
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
10.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$49
Rating not yet determined
Purchase APR
14.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0 - $50
Rating not yet determined
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$48 - $75
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 650
300
850
Annual Fee
$48 - $75
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