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  Bank of Stockton Gold MasterCard®

Bank of Stockton Gold MasterCard®

in Personal Credit Cards from Bank of Stockton

Unaffiliated

Bank of Stockton Gold MasterCard®

Unaffiliated

in Personal Credit Cards from Bank of Stockton

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

Bank of Stockton Gold MasterCard® Review

Bank of Stockton Gold MasterCard® is a credit card issued by Bank of Stockton. If you're wondering whether Bank of Stockton Gold MasterCard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Bank of Stockton Gold 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 oods if your credit score is above600.
Bank of Stockton Gold MasterCard® Pros & Cons
The Good The Bad
  • 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

Is there a Bank of Stockton Gold MasterCard® cash back or rewards program?

No, Bank of Stockton Gold MasterCard® does not offer a rewards program.

What are the Bank of Stockton Gold MasterCard® benefits?

Bank of Stockton Gold MasterCard® 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Bank of Stockton Gold MasterCard® has a variable purchase APR of 16.00%. It also has a variable cash advance APR of 16.00% .

Does Bank of Stockton Gold MasterCard® have an introductory APR offer on balance transfers?

No, Bank of Stockton Gold MasterCard® does not come with an introductory APR offer for balance transfers.

Does Bank of Stockton Gold MasterCard® have an introductory APR offer on new purchases?

Bank of Stockton Gold MasterCard® does not offer an introductory rate on new purchases.

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

The following fees apply to Bank of Stockton Gold MasterCard®:

  • There is no overlimit fee
Bank of Stockton Gold MasterCard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $0

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 a foreign transaction fee.

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:

  • 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 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.

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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Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 16.00%
Purchase APR (Variable APR) 16.00%
Card Type
  • Low Interest
Card Network Mastercard

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