Bank · FDIC insured
Bank of Stockton Credit Card Rates
Bank of Stockton credit cards start at 16.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Bank of Stockton’s credit card rates compare
Compared with banks and credit unions near Stockton, CA, where Bank of Stockton has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Bank of Stockton
16.00%APR
- Up to
- —
Visa Classic Program
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Golden Valley Federal Credit Union
9.99%APR
- Up to
- —
Bank of Stockton credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR16.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bank of Stockton ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Gold MasterCard Program
Unsecured credit card account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee. |
Sources (1)
- bankofstockton.com/credit_card_agreement · captured Oct 7, 2026
Secured Visa
Fully secured by an interest-bearing savings account (Secured Card Collateral Account) at Bank of Stockton or its divisions. Credit limit ranges from $300 to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99% | $39 | Fixed APR for Purchases is 19.99% (monthly periodic rate of 1.6658%). Annual fee of $39.00 assessed during first complete billing cycle and every 12th billing cycle thereafter. |
Sources (1)
- bankofstockton.com/secured_credit_card_agreement · captured Oct 7, 2026
Standard MasterCard
Unsecured credit card account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee. |
Sources (1)
- bankofstockton.com/credit_card_agreement · captured Oct 7, 2026
Visa Classic Program
Unsecured credit card account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | Fixed APR for Purchases is 16.00% (monthly periodic rate of 1.3333%). No annual fee. |
Sources (1)
- bankofstockton.com/credit_card_agreement · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.