The Alerus Financial is a personal credit card from Alerus Financial. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% intro APR on purchases for the first 21 billing cycles; 0% intro APR on balance transfers for the first 21 billing cycles for balances transferred within 651 days of account opening introductory rate. Rewards: 4% cash rewards on eligible net purchases for prepaid airfare, car rental, attractions and hotel reservations booked through the Travel Center; automatic $15 statement credit per 12-month period after 11 consecutive calendar months of purchases (account in good standing). Cash back: $15 annual statement credit after 11 months. Loan terms: Revolving personal credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay fixed-payment plans. This product reports activity to your personal credit report.