Bank of Stockton Business MasterCard® Review

• Competitive APRs. Bank of Stockton Business MasterCard® has a variable purchase APR of 16%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. Bank of Stockton Business MasterCard® reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Who is Bank of Stockton Business MasterCard® designed for?

This is a credit card issued by Bank of Stockton. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR of 16%.

It also has a variable cash advance APR of 16%.

What fees does it charge?

The following fees apply to this business credit card:

• There is no annual fee.
• An initial processing fee of $0.
• Bank of Stockton Business MasterCard® does not charge a returned payment fee.
• There is no overlimit fee

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

• Fraud Liability
• Reports to major credit bureaus

Does Bank of Stockton Business MasterCard® report your account activity to credit bureaus?

Yes, Bank of Stockton Business 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?

• Visit the Bank of Stockton .
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.