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  Bank of Stockton Business Visa Credit Card

Bank of Stockton Business Visa Credit Card

in Business Credit Cards from Bank of Stockton

Unaffiliated

Bank of Stockton Business Visa Credit Card

Unaffiliated

in Business Credit Cards from Bank of Stockton

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Highlights
Purchase APR  (Variable APR) 16%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Bank of Stockton Business Visa Credit Card Review

Key Takeaways
  • Competitive APRs. Bank of Stockton Business Visa Credit Card 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.
Pros & Cons of Bank of Stockton Business Visa Credit Card
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Bank of Stockton Business Visa Credit Card 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.
Bank of Stockton Business Visa Credit Card FAQ

Who is Bank of Stockton Business Visa Credit Card 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%.

Does it have an introductory APR offer?

This business credit card does not offer an introductory rate on new purchases.

Bank of Stockton Business Visa Credit Card Rates & Terms
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.
  • Bank of Stockton Business Visa 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.

Bank of Stockton Business Visa Credit Card Fees
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 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 Visa Credit Card report your account activity to credit bureaus?

Yes, Bank of Stockton Business Visa Credit Card 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.
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.

Contact

  • Headquarters
  •   301 East Miner Avenue
    Stockton, CA 95202
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Bank of Stockton

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View all business credit cards offered by Bank of Stockton

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Returned Payment Fee $0
Cash Advance Fee (%) Starting at 3%
Cash Advance Fee Minimum $8
Foreign Currency Transaction Fee 1%
Late Fee Amount Starting at $7
Minimum Cash Advance Fee ($) Starting at $8
Minimum Interest Charge $1
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 16%
Purchase APR (Variable APR) 16%
Card Network Visa
Card Type
  • Low Interest

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