The Stearns Bank National Association is a business credit card from Stearns Bank National Association. Application typically pulls a hard report from Experian. The annual fee is $29. The ongoing APR is Variable after a 0% introductory rate. Rewards: Rewards. 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%).