Bank · FDIC insured
Stearns Bank Credit Card Rates
Top CarrotStearns Bank doesn’t publish an ongoing APR for its credit cards, only a 12-month introductory rate. Rates checked October 16, 2026.
How Stearns Bank’s credit card rates compare
Compared with banks and credit unions near St. Cloud, MN, where Stearns Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Stearns Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
St. Cloud Financial Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Notre Dame Federal Credit Union
11.15%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Payback Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for the first 12 months. Earn 1% cash back on every purchase. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- stearnsbank.com/consumer-credit-cards · captured Oct 5, 2026
Platinum Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for the first 12 months. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- stearnsbank.com/consumer-credit-cards · captured Oct 5, 2026
Preferred Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for the first 12 months. 1 point for every $1 spent. 25k bonus points if spend $3k+ in first 90 days. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- stearnsbank.com/consumer-credit-cards · captured Oct 5, 2026
World Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | $35 | Introductory 0% APR for the first 12 months. 1% cashback or 1 point for every $1 spent. 25k bonus points if spend $3k+ in first 90 days. Additional card fee $29. No foreign transaction fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- stearnsbank.com/consumer-credit-cards · captured Oct 5, 2026
World Elite Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | $299 | Introductory 0% APR for the first 12 months. 1% cashback or 1 point for every $1 spent. 25k bonus points if spend $3k+ in first 90 days. Additional card fee $49. No foreign transaction fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- stearnsbank.com/consumer-credit-cards · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.