The Stearns Bank is a business credit card from Stearns Bank. Application typically pulls a hard report from Experian. The annual fee is $29.00 per card. The ongoing APR is 20.24% variable (terms effective February 10, 2026); varies with the Prime Rate. Cash advances 23.74%; penalty APR 27.49% after a 0.00% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances (terms effective February 10, 2026) introductory rate. Signup bonus: 25k bonus points if you spend $3k+ in the first 90 days. Rewards: 1% cashback or 1 point for every $1 spent. Loan terms: Revolving business credit card; payment due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date. Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).