Bank of Stockton Classic MasterCard®
in Personal Credit Cards from Bank of Stockton
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| Purchase APR (Variable APR) | 16.00% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Bank of Stockton Classic MasterCard® Review
Bank of Stockton Classic MasterCard® is a credit card issued by Bank of Stockton. If you're wondering whether Bank of Stockton Classic MasterCard® is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Bank of Stockton Classic MasterCard® has a variable purchase APR of 16.00%
- 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 stand a chance of qualifying if your credit score is not below 600.
| The Good | The Bad |
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Is there a Bank of Stockton Classic MasterCard® cash back or rewards program?
No, Bank of Stockton Classic MasterCard® does not offer a rewards program.
What are the Bank of Stockton Classic MasterCard® benefits?
Bank of Stockton Classic MasterCard® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Bank of Stockton Classic MasterCard®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Bank of Stockton Classic MasterCard® has a variable purchase APR of 16.00%. It also has a variable cash advance APR of 16.00% .
Does Bank of Stockton Classic MasterCard® have an introductory APR offer on balance transfers?
No, Bank of Stockton Classic MasterCard® does not come with an introductory APR offer for balance transfers.Does Bank of Stockton Classic MasterCard® have an introductory APR offer on new purchases?
Bank of Stockton Classic MasterCard® does not offer an introductory rate on new purchases.| Description |
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What are the fees for Bank of Stockton Classic MasterCard®?
The following fees apply to Bank of Stockton Classic MasterCard®:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $0 |
Does Bank of Stockton Classic MasterCard® have a foreign transaction fee?
Bank of Stockton Classic MasterCard® 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 card at home and apply for one that doesn't charge a foreign transaction fee.Does Bank of Stockton Classic MasterCard® report your account activity to credit bureaus?
Yes, Bank of Stockton Classic 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 for Bank of Stockton Classic MasterCard®
- Visit the Bank of Stockton Classic MasterCard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
301 East Miner Avenue
Stockton, CA 95202 - Visit Site
Other Services by Bank of Stockton
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $0 |
| Cash Advance Fee Minimum | $8 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $8 |
| Foreign Currency Transaction Fee | 1% |
| Minimum Interest Charge | $1.00 |
| Late Fee Amount | Starting at $7 |
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