Bank of Stockton Business MasterCard®
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| Purchase APR (Variable APR) | 16% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Bank of Stockton Business MasterCard® Review
This is a card issued by Bank of Stockton. If you're wondering whether Bank of Stockton credit card is the right card for you, read on.
Key Takeaways
- 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 odds if your credit score is above 600.
Pros & Cons of Bank of Stockton credit card
| The Good | The Bad |
|---|---|
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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%.
Does it have an introductory APR offer?
This business card does not offer an introductory rate on new purchases.| Purchase APR | 16% |
| Cash Advance APR | 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 credit card does not charge a returned payment fee.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | $0 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is .
What is the support contact email?
The support contact email for this business credit card is newppploans@bankofstockton.com.
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.
Message From Bank of Stockton credit card
Contact
- Headquarters
-
301 East Miner Avenue
Stockton, CA 95202 USA - Visit Site
- Email Support
Other Services by Bank of Stockton
Other Business Credit Cards by Bank of Stockton
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | Starting at 3% |
| Cash Advance Fee Minimum | $8 |
| Foreign Currency Transaction Fee | 1% |
| Initial Processing Fee | $0 |
| Late Fee Amount | Starting at $7 |
| Minimum Cash Advance Fee ($) | Starting at $8 |
| Minimum Interest Charge | $1 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $0 |
| Returned Payment Fee | $0 |
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