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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

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.

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Flexible cash rewards

Visa Signature® Max Cash Prederred 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 more.¹
  • 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. Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account.

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Rewards to use the way you want2

Visa Signature® Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.3 There is no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.

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Build your credit

Visa Signature® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.4 There is no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.

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Visa Secured® Card

If you need to improve or re-establish your credit history5 , here's a great way to begin that process.  With the Secured Card, you'll enjoy the convenience of credit while earning interest on your secured savings account. 

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

1 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).  If you’re approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.  Max Cash Preferred Card: 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.

(b) Program Rules.  Complete terms and conditions for the Rewards Program, (the "Program"), including rules regarding the redemption, expiration, loss or cancellation of Points, award thresholds, eligibility, participation, and our right to amend or terminate the Program, are set forth in our Rewards Program Rules (the "Program Rules") that are provided to you separately.  The Program Rules will exclusively govern the terms of the Program and, with respect to the Rewards Program, to the extent the Program Rules conflict with the terms of this Cardmember Agreement or any other materials the Program Rules will control.  We reserve the right to amend or cancel the Program or change Program benefits at any time with or without notice to you.  Please review the Program Rules and FAQ online through the Rewards Center.

2 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

3 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).

4 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).

5 Late payments and going over the credit limit may damage your credit history.

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