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  Bank of Stockton Classic MasterCard®
Bank of Stockton Classic MasterCard® Unaffiliated

Bank of Stockton Classic MasterCard®

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Highlights
Purchase APR  (Variable APR) 16.00%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Bank of Stockton Classic MasterCard® Review

This is a card issued by Bank of Stockton. If you're wondering whether Bank of Stockton Classic MasterCard® is the right card for you, read on.

Key Takeaways

  • 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 will have good approval odds if your credit score is above 600.

Pros & Cons of Bank of Stockton Classic MasterCard®

The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Bank of Stockton Classic 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.

Bank of Stockton Classic MasterCard® FAQ

Does Bank of Stockton Classic MasterCard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bank of Stockton Classic MasterCard® benefits?

It 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 regular APR 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bank of Stockton Classic MasterCard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Bank of Stockton Classic MasterCard®?

The following fees apply:

  • There is no overlimit fee
Bank of Stockton Classic MasterCard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee $0
Late Payment Fee Starting at $7 up to $

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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 foreign transaction fees.

What is the customer service phone number for Bank of Stockton Classic MasterCard®?

The Bank of Stockton Classic MasterCard® customer service number is .

What is the support contact email for Bank of Stockton Classic MasterCard®?

The support contact email for Bank of Stockton Classic MasterCard® is newppploans@bankofstockton.com.

What is the Bank of Stockton Classic MasterCard® login page?

You can access the Bank of Stockton Classic MasterCard® login page here.

How do people rate the customer service and user experience of Bank of Stockton Classic MasterCard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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

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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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $8
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $8
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.00
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Late Fee Amount Starting at $7
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 16.00%
APR Type Variable APR
Balance Computation Average daily balance” (including new purchases.
Purchase APR (Variable APR) 16.00%
(Verified 08/04/2023)
Card Type
  • Low Interest
Card Network Mastercard

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