The Stearns Bank is a business credit card from Stearns Bank. The annual fee is $0. 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 for 6 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 1% cash back. Cash back: 1% cash back. Typical credit limit: $5,000 - $50,000. 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. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).