The Grinnell State Bank is a personal credit card from Grinnell State Bank. Application typically pulls a hard report from Experian. The annual fee is $0 for the first year, then $20 (waived if annual net spend over the preceding 12 months is $15,000 or more). The ongoing APR is 17.99%-24.99% variable APR for purchases (page rates accurate as of January 30, 2026) after a 0% Intro APR on purchases and balance transfers introductory rate for 6 months. Signup bonus: $50 cash back when you spend $500 in the first 60 days. Rewards: 2% cash back on travel-related purchases; 1% cash back on all non-travel purchases. This product reports activity to your personal credit report.