Personal Credit Card

Peoples Bank offers the Peoples Bank Personal Visa® Credit Card, which is issued and serviced locally. Your account is managed by people you know and trust in your community rather than a distant call center. The card earns Peoples Points rewards on qualifying purchases, is manageable through Peoples Bank's Online & Mobile Banking platform and can be applied for in person at any of our locations across Iowa, Minnesota, and South Dakota. Peoples Bank also offers a separate Visa® Business Credit Card for business owners.

Peoples Points is Peoples Bank's credit card rewards program. Cardholders earn half a point (0.5 points) for every $1 of net spending on qualifying purchases made with the Peoples Bank Personal Visa® Credit Card. Points accumulate over time and can be redeemed for rewards. The program is designed to provide ongoing value on everyday purchases like groceries, gas, dining, and more. Contact a Peoples Bank banker in one of our locations in Iowa, Minnesota, or South Dakota; you can also refer to the card's terms and conditions for full details on qualifying purchases and redemption options.

There is no annual fee. Specific fee details for the Peoples Bank Personal Visa® Credit Card are available through the card's terms and conditions, which can be requested at any Peoples Bank location or through the bank's customer service line at (712) 476-2746 or (877) 440-2746. For after-hours inquiries, call (866) 587-2767. Peoples Bank's locally-serviced model means you can get straightforward, transparent answers directly from a banker rather than navigating automated systems. 

 

You can apply for the Peoples Bank Personal Visa® Credit Card in two ways: by visiting any of the ten Peoples Bank locations across Iowa, Minnesota, and South Dakota to apply in person, or by printing and completing an application form available through the bank's website. Applying in person allows you to speak directly with a local banker who can answer questions about the card's features, rewards program, and terms before you submit your application. All credit card applications are subject to credit approval.

Yes. Your Peoples Bank Personal Visa® Credit Card can be managed through Peoples Bank's Online & Mobile Banking You can make payments, view your statement, track your balance, and monitor transactions from anywhere at any time. Additionally, you can make payments in person at any Peoples Bank location during business hours. For account questions during business hours, call (712) 476-2746 or (877) 440-2746. 

 

If your Peoples Bank Visa® Credit Card is lost or stolen, report it immediately to minimize your exposure to fraudulent charges. During business hours, call (712) 476-2746 or (877) 440-2746. After hours, call the dedicated after-hours line at (866) 587-2767. Acting quickly is critical, the sooner you report a lost or stolen card, the sooner your account can be protected. Peoples Bank's local servicing model means you are always talking to people in your community who can help resolve issues promptly. 

 

Yes. In addition to the Personal Visa® Credit Card, Peoples Bank offers a Visa® Business Credit Card designed to provide flexible credit for daily business needs. The business credit card is a separate product from the personal card and is intended for business owners who want to keep business and personal expenses on separate accounts. This is a best practice for bookkeeping, tax preparation, and building a business credit profile. Contact a Peoples Bank banker at any of the ten locations for details on the business credit card.

A locally-serviced credit card means your account is managed by a bank in your own community, not routed through a national call center. The benefits include faster, more personalized service when you have questions or problems; bankers who know your financial history and can provide context-aware advice; a direct relationship with people you trust; and the ability to walk into a location to handle account matters in person. For customers in Iowa, Minnesota, and South Dakota, banking local with Peoples Bank combines the convenience of modern digital banking with the reassurance of a familiar face. 

 

Protecting yourself from credit card fraud requires ongoing vigilance. Key practices include reviewing your statement regularly for unfamiliar charges, never sharing your card number or PIN over the phone unless you initiated the call, using Peoples Bank's Digital Banking to monitor transactions in real time, being cautious of phishing emails or texts that mimic your bank, and reporting suspicious activity immediately by calling Peoples Bank's after-hours fraud line at (866) 587-2767. Peoples Bank actively educates its community about evolving fraud tactics.

 

Used responsibly, a credit card like the Peoples Bank Personal Visa® can be a valuable financial tool. Paying your balance in full each month avoids interest charges while building a positive payment history, one of the most important factors in your credit score. Earning Peoples Points rewards on qualifying purchases adds value to spending you would make anyway. Keeping your credit utilization ratio low (ideally below 30% of your credit limit) signals to lenders that you manage credit well. Over time, responsible credit card use contributes to a stronger credit profile that can help you qualify for better loan rates.