Personal Credit Cards
Cash Back, Rewards, and Low-Rate Credit Card Options
Whether you are looking for everyday purchasing, rewards, lower interest rates, or a way to build your credit history, Peoples Bank has options designed to support your financial goals. Compare our cash back, rewards, and low-rate credit card offers to find the best fit for your lifestyle.
With secure online account access, competitive features, and flexible benefits, applying for a credit card online or in the branch has never been easier.
You can now access your Peoples Bank credit card account within
online banking using Single Sign-On.
Compare Credit Card Offers
Choosing the best credit card depends on how you plan to use it. Whether you want to earn rewards on everyday purchases, consolidate balances with a lower rate, or establish your credit history, Peoples Bank has credit card solutions to help.
World Mastercard®
The World Mastercard® is designed for customers who want to maximize rewards on purchases and travel.
World Mastercard® Terms & Conditions
- Earn 1% cash back for every $1 spent—no limit to the amount of cash back you can earn.*
- Earn 2% for every dollar spent on gasoline.***
- Earn 3% for every dollar spent on travel (airfare, hotel, car rental), and dining.***
- Easily redeem cash back for a statement credit or a direct deposit.
- Introductory offer – Rewards Bonus: Receive a $500 cash back bonus once you spend $5,000 on purchases within the first 90 days of account opening.**
- Choose between vertical & horizontal card designs.
Platinum Rewards Mastercard®
The Platinum Rewards Mastercard® is great for customers looking to earn rewards on everyday purchases.
+Platinum Rewards Mastercard® Terms & Conditions
- Easily redeem cash back for a statement credit or a direct deposit.
- Earn 1% cash back for every $1 spent. No limit to the amount of cash back you can earn.*
- Receive a $50 cash back bonus once you spend $1,000 on purchases within the first 90 days of account opening.**
- 0% Introductory APR+ for 12 months from the date of first Balance Transfer when transfers are completed within 60 days from the date of account opening. After that, a variable APR, currently Prime +9.74% to Prime 15.74%+ applies, based on creditworthiness. A Balance Transfer Fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer. Balance transfers are subject to available credit.
- Choose between vertical & horizontal card designs.
Platinum Low Rate Mastercard®
The Platinum Low Rate Mastercard® offers competitive rates and flexible features for customers focused on minimizing interest costs.
+Platinum Low Rate Mastercard® Terms & Conditions
- Our lowest APR credit card at Prime +2.99%+.
- Introductory offer: No balance transfer fee+ for balances transferred during the first six months. After that, a balance transfer fee of $10 or 1% of the amount of the transfer (whichever is greater) applies. Balance transfers are subject to available credit.
- Choose between vertical & horizontal card designs.
Platinum Mastercard®
The Platinum Mastercard® is designed for customers wanting simplified payments, to consolidate higher-interest balances, and manage debt.
+Platinum Mastercard® Terms & Conditions
- Lower APR for those who carry a balance month to month.
- 0% Introductory APR+ on purchases for the first 6 months. After that, a variable APR, currently Prime +5.74% to 13.74%+ applies, based on creditworthiness.
- 0% Introductory APR+ for 12 months from the date of first Balance Transfer when transfers are completed within 60 days from the date of account opening. After that, a variable APR, currently Prime +5.74% to Prime +13.74%+ applies, based on creditworthiness. A Balance Transfer Fee+ of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer. Balance transfers are subject to available credit.
- Choose between vertical and horizontal card designs.
Platinum Secured Mastercard®
The Platinum Secured Mastercard® is for customers who want to establish or rebuild credit history with responsible credit use.
Platinum Secured Mastercard Terms & Conditions
- Monthly credit bureau reporting to build or rebuild credit.
- Minimum $500 deposit required, no max deposit limit.
- Minimum credit limit tied to the deposit as determined by the bank.
Why Choose a Peoples Bank® Credit Card?
Local Banking with Personalized Service
We combine the convenience of modern banking with personalized support
Secure Digital Account Management
Manage your credit card account anytime through the login portal or Peoples’ online and mobile banking
Flexible Credit Card Options
From rewards to secured credit solutions, Peoples offers options designed to fit your lifestyle
Fraud Monitoring & Security
Enjoy peace of mind with fraud monitoring, security alerts, and Mastercard® protections
Additional Financial Services & Tools
Checking Accounts
Pair your credit card with a personal checking account for convenient money management and online and mobile banking access.
Credit Builder Loan
Explore the Credit Builder Loan, designed for first-time borrowers and those with little to no credit history, or looking to improve their credit score.1
Online Banking Services
Manage your finances anytime, anywhere with Peoples Bank’s online banking, mobile banking, and digital payment solutions.
Apply for a Peoples Bank® Credit Card
Complete your online credit card application or visit your local branch in Ohio, West Virginia, Kentucky, Virginia, Maryland or Washington, D.C.
Frequently Asked Questions
How do I apply for a Peoples Bank credit card?
You can apply for select credit cards online or by visiting your local Peoples Bank branch.
How do I choose the right Peoples Bank credit card?
The best credit card depends on your financial goals, spending habits, and financial situation. Whether you are looking for cash back rewards, a lower interest rate, balance transfer opportunities, or a way to build credit, Peoples Bank offers a variety of personal credit card options to fit your needs. Contact your local Peoples Bank branch to speak with an associate for personalized guidance and help comparing available credit card offers.
Does Peoples Bank offer cash back credit cards?
Yes. Peoples Bank offers cash back credit card options that allow customers to earn rewards on qualifying purchases.
Can I build credit with a Peoples Bank credit card?
Yes. The Platinum Secured Mastercard® is designed to help customers establish or rebuild credit history through responsible use. Contact your local Peoples Bank branch to speak with an associate for personalized guidance and help comparing available credit card offers.
Are balance transfer options available?
Yes. Certain Peoples Bank credit card offers may include balance transfer opportunities designed to help customers manage existing balances.
Can I manage my credit card online?
Yes. You can manage payments, monitor activity, and access account information anytime through the login portal or Peoples’ online and mobile banking.
How can I access my Peoples Bank credit card with online banking?
- Log in to your Peoples Bank online account or the Peoples Bank mobile app.
- From the menu, select “Credit Card – Login.”
- Sign in to your credit card account. If you have not registered your credit card, click “Sign Up.”
- The next time you select “Credit Card – Login” within online banking, you will automatically be able to view and manage your Peoples Bank credit card account.
All credit cards are subject to credit approval. Ask for details.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
*For details on the Rewards Program, please visit https://peoplesbancorp.myapexcard.com/about-rewards/rewards-terms. Rewards options are subject to change without notice.
**Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.
***We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.
1Peoples Bank’s Credit Builder Loan does not guarantee credit score improvement. Many factors impact your credit score. Making on-time payments every month is the best way to build credit history with this product.