Stride Bank credit card terms
Credit-card bank · 3 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Stride Bank reported a surveyed purchase APR of 9.24% – 35.74% (median 20.49%) to the CFPB Terms of Credit Card Plans survey, across 3 products. It is one of the 25 largest U.S. card issuers. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Stride Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 9.24% – 35.74% |
| Median purchase APR | 20.49% |
| Rate type | variable & fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 35.74% |
| Annual fee | — |
| Late fee (median) | — |
| Secured card offered | Yes |
| Products surveyed | 3 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Stride Bank did not report that field in the survey.
Stride Bank purchase APR by credit tier
Median purchase APR Stride Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 35.24% |
| Good credit (620-719) | 21.74% |
| Great credit (720+) | 13.99% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Stride Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Stride Bank's median of 20.49% sits around or below the 21% national average APR.
Similar issuers (credit-card bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Stride Bank (this issuer) | 9.24% – 35.74% | 20.49% | — |
| Goldman Sachs Bank USA | 17.49% – 28.49% | 23.24% | — |
| Barclays Bank Delaware | 17.49% – 34.99% | 25.24% | $59 – $1,199 |
| American Express National Bank | 18.24% – 29.24% | 27.12% | $95 – $5,000 |
| Merrick Bank | 21.95% – 34.7% | 29.49% | $36 – $48 |
| Credit One Bank | 28.74% – 30.49% | 29.99% | $39 – $95 |
| Webbank | 29.99% – 35.99% | 32.99% | $39 |
Goldman Sachs Bank USA · Barclays Bank Delaware · American Express National Bank · Merrick Bank · Credit One Bank · Webbank
Frequently asked questions
What is Stride Bank's credit card APR?
Stride Bank reported a purchase APR of 9.24% – 35.74% to the CFPB Terms of Credit Card Plans survey (median 20.49%), across 3 surveyed products. Rates are variable & fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Stride Bank charge an annual fee?
Stride Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Stride Bank a good choice for a low APR?
Stride Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
Keep exploring
Sources & accuracy
Terms reported by Stride Bank (Stride Bank, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29