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Consumer Credit Cards

Take Control of Your Finances

Choosing a new credit card can feel overwhelming with so many options to consider. Simplify your search with Stearns Bank. We've partnered with a world class credit card provider to bring you consumer credit cards that provide flexibility, fraud protection, and everyday perks to get the most value from your spending.

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Consumer Credit Cards

Gain Financial Freedom and Flexibility

Don't be constrained by the limitations of ordinary credit cards. At Stearns Bank, we provide a selection of credit card options tailored to your needs. Enjoy benefits such as 0% intro APR for 12 months on purchases, transfers, and cash advances among our offerings. With this array of choices and interest-free flexibility, you can confidently manage major expenses and make timely investments in yourself.

Consumer Credit Cards
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Get More From Your Spending

Choose a card that lets you maximize the value of every purchase. This selection of consumer credit cards offer flexible financing, robust rewards, and protection that helps you get the most from your money.

Avoid annual fees and access essential fraud protections like zero liability coverage with our Platinum Card. Enjoy an introductory 0% APR for the first 12 months.

  • No Annual Fee

Cardholder Benefits

  • ID Theft Protection
  • Zero Liability Protection
  • McAfee®️ Total Protection
  • Priceless Experiences

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Earn 1% cash back on every purchase for simple rewards redemption. Enjoy an introductory 0% APR for the first 12 months.

  • 1% Cash Back
  • No Annual Fee

Cardholder Benefits

  • ID Theft Protection
  • Zero Liability Protection
  • McAfee®️ Total Protection
  • Priceless Experiences

Mastercard Priceless Surprises

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Earn points on every dollar spent that can be redeemed for gift cards, travel, and more. Enjoy an 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 Annual Fee

Cardholder Benefits

  • ID Theft Protection
  • Zero Liability Protection
  • McAfee®️ Total Protection
  • Priceless Experiences

Mastercard Priceless Surprises

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Our World Card allows you to earn both points and 1% cash back on purchases and provides DoorDash and Lyft credits for maximized everyday rewards. Enjoy an 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)
  • No Foreign Transaction Fee
  • $35 Annual Fee; $29 Annual Fee Per Additional Card

Cardholder Benefits

  • ID Theft Protection
  • Zero Liability Protection
  • McAfee®️ Total Protection
  • Priceless Experiences
  • Golf Benefits
  • Travel Services
  • DoorDash Credits
  • Lyft Credits
  • ShopRunner Membership

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Experience premium travel perks, bonus point earning, airline credits, and Fandango discounts with our top-tier World Elite Card.  Enjoy an 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)
  • No Foreign Transaction Fee
  • $299 Annual Fee; $49 Annual Fee Per Additional Card

Cardholder Benefits

  • ID Theft Protection
  • Zero Liability Protection
  • McAfee®️ Total Protection
  • Priceless Experiences
  • Golf Benefits
  • Travel Services
  • Concierge Services
  • DoorDash Credits
  • Lyft Credits
  • ShopRunner Membership
  • Fandango Credits
Mastercard Priceless Surprises

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Apply Today!

Apply today for a Stearns Bank card. With rewards options, fraud coverage, and intro financing — we have the right fit for your needs.

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Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. Subject to enrollment and periodic promotions. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard® International Incorporated. 

The creditor and issuer of credit cards is Card Assets, pursuant to a license from Mastercard® International Incorporated. Credit Cards are subject to Card Assets' credit approval. Rewards and benefits subject to change at any time.