Bank of Stockton Gold MasterCard® Review
This is a
issued by Bank of Stockton.
If you're wondering whether Bank of Stockton Gold MasterCard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Bank of Stockton Gold MasterCard® has a
- 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 Gold MasterCard®
- No annual fee.
- Identity Theft Protection.
- Considers applicants with fair or poor credit.
- Bank of Stockton Gold 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.
Bank of Stockton Gold MasterCard® FAQ
Does Bank of Stockton Gold MasterCard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Bank of Stockton Gold MasterCard® benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Bank of Stockton Gold 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.
It has a
It also has a
cash advance APR
Does Bank of Stockton Gold 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 Gold 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 Gold MasterCard®?
The following fees apply:
- There is no overlimit fee
Bank of Stockton Gold MasterCard® Fees
|Foreign Transaction Fee
|Returned Payment Fee
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 Gold MasterCard® have a foreign transaction fee?
Bank of Stockton Gold 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.
Does Bank of Stockton Gold MasterCard® report your account activity to credit bureaus?
Yes, Bank of Stockton Gold MasterCard® reports your account activity to the following credit reporting agencies:
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 Gold MasterCard®
- Visit the Bank of Stockton Gold 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.
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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.