The Stearns Financial Services, Inc. is a business credit card from Stearns Financial Services, Inc.. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable after a 0% introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Cash Back. Cash back: 1% cash back. Typical credit limit: $5,000 - $50,000. 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%).