Bank · FDIC insured
Western National Bank Credit Card Rates
Western National Bank credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Western National Bank’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Western National Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Western National Bank
11.90%APR
- Up to
- —
Platinum Visa
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
2nd-lowest rate
North Star Credit Union
7.90%APR
- Up to
- —
Western National Bank credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Western National Bank ranks
By credit card score, in each area where it has branches
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.
Advantage Visa
Fixed interest rate based on assessment of credit history and credit worthiness. Rates subject to change at discretion. ScoreCard rewards earned on everyday purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Fixed APR for purchases based on credit history. Penalty APR of 18.00% may apply indefinitely for late or returned payments or going over credit limit twice in 6 months. |
| Ongoing | 17.99% | None | Fixed APR for cash advances. Cash advance fee is $5 or 3% of the amount, whichever is greater. Penalty APR of 18.00% may apply indefinitely. |
Sources (1)
- wbduluth.com/credit-cards · captured Oct 5, 2026
Classic Visa
Fixed interest rate based on assessment of credit history and credit worthiness. Rates subject to change at discretion. ScoreCard rewards earned on everyday purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $25 | Fixed APR for purchases based on credit history. Annual fee $25. Penalty APR of 18.00% may apply indefinitely for late or returned payments or going over credit limit twice in 6 months. |
Sources (1)
- wbduluth.com/credit-cards · captured Oct 5, 2026
Platinum Visa
Fixed interest rate based on assessment of credit history and credit worthiness. Rates subject to change at discretion. ScoreCard rewards earned on everyday purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed APR for purchases based on credit history. Penalty APR of 18.00% may apply indefinitely for late or returned payments or going over credit limit twice in 6 months. |
| Ongoing | 11.99% | None | Fixed APR for cash advances. Cash advance fee is $5 or 3% of the amount, whichever is greater. Penalty APR of 18.00% may apply indefinitely. |
Sources (1)
- wbduluth.com/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.