Per OakStone: “There is no cost to apply for the Oakstone Card Secured MasterCard, and there are two card options from which to choose: The Oakstone Gold Mastercard Secured Credit Card has an Annual Fee of $39 and an Variable APR for Purchases of 13.99%. The Oakstone Platinum Mastercard Secured Credit Card has an Annual Fee of $49 APR and a Variable APR on Purchases of 9.99%. These APRs will vary with market interest rates.”