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Peoples State Bank

Credit Cards

Find the card that fits your needs

Choosing the right credit card is easier than ever. No matter which card you choose, you’ll enjoy important features like EMV smart chip technology for added security, mobile purchasing capability for added convenience, plus much more!

Pick the best rewards card for you!

Pay down balances

Visa® Platinum Card

  • Extended introductory offer
  • Save on interest and pay down other credit card balances faster

Apply Now

Flexible cash rewards

Visa Signature® Max Cash Preferred Card

  • Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home Utilities, Cell Phone Providers, TV/Internet/Streaming and more¹
  • Earn 2% unlimited cash back from one category: Gas Stations & Ground Transportation, Restaurants & Food Delivery or Grocery Stores & Grocery Delivery
  • Earn 1% unlimited cash back on all other eligible purchases
  • $150 bonus rewarded after you spend $500 within first 90 days of account opening--redeemable as a statement credit, rewards card, or cash deposit

Apply Now

Rewards that are simple & easy

Visa® Everyday Rewards+ Card

  • 4x unlimited points on dining, take-out, and food delivery²
  • 2x unlimited points at grocery stores, grocery delivery, gas stations, and streaming services
  • 1x unlimited points on all other eligible purchases
  • $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening
  • Redeem points for Travel, Cash Back³ and more

Apply Now

Build your credit

Secured Visa® Card

  • No annual fee
  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card in the past
  • Remember, late payments and going over the credit limit may damage your credit history
  • Free credit score4

Apply Now

Visa Signature® College Real Rewards Card

  • Excellent opportunity for someone starting a credit history
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit
  • Account Alerts, Online and Mobile Account Access, Autopay, Free Credit Score4

Apply Now

Visa® Max Cash Secured Card

  • No annual fee
  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card in the past
  • Remember, late payments and going over the credit limit may damage your credit history
  • Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home utilities, Cell phone providers, TV/Internet/Streaming, and more1
  • Earn 2% unlimited cash back from one category: Gas stations & ground transportation, Restaurants & food delivery or grocery stores
  • Earn 1% unlimited cash back on all other eligible purchases

Apply Now

All of our Credit Cards include these value-added services
  • Smart chip technology for added security
  • Mobile purchasing capability for added convenience
     

1 Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

2 You will earn 1 Point for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every $1 in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every $1 in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchasses at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end of the quarter in which they are earned.

3 Reward Points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).

4 Free credit score access is available through online account access only. The free VantageScore® Credit Score is for educational purposes only and is not used by Elan Financial Services to make credit decisions.

5 You will earn 1.5 Reward Points ("Points") for each $1 of eligible net purchases made with your Account within a billing cycle. Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.