Anúncios
Credit building doesn’t have to be a complicated or expensive process, and the Oakstone Secured Platinum Credit Card is proof of that.
Designed for people who want to improve their credit health without paying for perks they’ll never use, this card provides essential credit tools in a clean, no-nonsense package.
Unlike other secured cards that come with bloated fees or lack features, Oakstone offers two distinct versions, one with no annual fee, and one with a lower APR and a small annual charge.
This flexibility lets you choose what’s more important to you: long-term savings or short-term rate control.
Oakstone Secured Platinum
Low deposit minimum No rewards programHow the Oakstone Secured Platinum Works in Practice
Once approved, your initial deposit (starting at $200 and going up to $5,000) becomes your credit limit.
You’ll then use the card just like any regular credit card: make purchases, pay your bill on time, and keep your balance low to maintain a healthy utilization rate.
Every month, Oakstone reports your payment activity to all three major credit bureaus—Experian, Equifax, and TransUnion—which is exactly what you need to start building a strong credit score over time.
One of the most empowering parts of this card is that you control your credit line.
The more you deposit, the more flexibility you’ll have with spending. But more importantly, every responsible payment you make becomes part of your credit history.
There’s no pre-set timeline for “graduating” to an unsecured card, but Oakstone can serve as a reliable bridge until you’re ready for a traditional credit product.
Main Benefits for the Oakstone Secured Platinum
Most secured cards fall short because they limit your credit limit or tack on unavoidable fees. Oakstone stands out by giving you a choice between two card types, each with clear benefits.
The No Annual Fee version offers savings over time, great for those on a budget. The Low APR version (with a modest $49 annual fee) helps users who might carry a balance from month to month, offering a lower interest rate than competitors in the same space.
While it doesn’t include rewards like cash back or travel perks, that’s not the goal here. The goal is credit rehabilitation and Oakstone does that exceptionally well.
If your credit score is under 600, or if you have a thin file with no history at all, this card can help you build positive momentum.
You won’t get penalized with surprise rate hikes or sneaky fine print. It’s all about setting up solid credit habits from day one.
You will be redirected to the official website
Fees, APR, and What You Should Know Before Applying
There are two versions of the Oakstone card, and choosing the right one depends on your financial habits:
- No Annual Fee Version
- Annual Fee: $0
- APR: ~17.99% variable
- Good for those who plan to pay off balances in full monthly
- Annual Fee: $0
- Low APR Version
- Annual Fee: $49
- APR: ~13.99% variable
- Better for those who occasionally carry a balance
- Annual Fee: $49
In both cases, there are no application or processing fees, and your security deposit is fully refundable if you close the account with no balance.
There are no hidden charges or unusual penalty rates, and you can manage your account online or through the mobile dashboard.
How to Apply for the Oakstone Secured Platinum Credit Card
- Go to the official Oakstone Card website.
- Choose the card version that suits you best (No Annual Fee or Low APR).
- Fill in your application details including name, income, and contact info.
- Submit your refundable security deposit (starting at $200).
- Wait for application approval, which usually happens within a few business days.
- Once approved, your card will be mailed and ready for use.
- Begin making small purchases and pay off the full balance each month.
- Monitor your credit score as it starts to improve with responsible use.
