Credit Cards


With many confusing offers out there, make the local choice from CSB

Icon Gift
Enjoy the rewards
 
Start off right with a 3,000 Point Bonus1 and then receive one point for every dollar you spend. Redeem points for travel, gift cards, merchandise, and even cash back. Treat yourself to a vacation, brand name appliances, or put money back in your pocket.
Icon - Savings Piggy Bank
No annual fee
 
No need to worry about receiving an annual fee with your Citizens State Bank Credit Card.
Icon - Percentage Sign
Low intro rate of 2.90% APR
 
For the first six months. Thereafter, a variable rate of 11.99 percent for the Low-Rate Card or 16.99 percent for the Preferred Points Rewards Card.






 

Your Card. Your Community. Your Convenience.

Helping you spend less time banking and more time enjoying life is just part of the Citizens State Bank experience. That's why we offer a variety of personal credit cards for you to choose from based on your lifestyle, your needs, and your financial goals. Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit card, we have the ideal card for you.


Take your pick of a Everything Rewards card packed with options, or a Consumer Value card with an even more competitive ongoing APR.
Consumer Value Card
  • No Annual Fee
  • 0.00% Introductory Rate for your first 6 months1
  • Go to Rate of Prime + 6.99%1
  • Zero Fraud Liability
  • Mobile Wallet
  • 24/7 Customer Service
  • Contactless Cards
  • Price Protection, Purchase Assurance and Extended Warranty
  • Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Travel Assistance and Emergency Services
Everything Rewards/Premier Plus
  • You choose the reward option - Cash Back, Travel, Merchandise, Gift Cards and more
  • 1 point for every $1 spent (up to 10,000 per month) and redeem anytime
  • Concierge Services (Premier Plus Card)
  • Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Travel Assistance and Emergency Services
  • Mobile Wallet
  • 24/7 Customer Service
  • Contactless Cards
  • No Annual Fee
  • 0.00% Introductory Rate for your first 6 months1
  • Go to Rate of Prime + 11.99%1
  • Price Protection, Purchase Assurance and Extended Warranty
  • Zero Fraud Liability





















Visa Gift Cards

Give the gift that counts to your family and friends with Visa Gift Cards
 
Visa Gift Cards are easy, convenient, and available in values ranging from $10 to $1,000; they can be used everywhere Visa is accepted. With many designs to choose from, you can show your appreciation in an impactful way.
 
A purchase fee of $3.95 per card will apply. After 12 consecutive months of inactivity, a $2.95 monthly fee applies for every month the card is not used beginning in the 13th month. Gift cards may not be increased or reloaded after initial purchase.
 
 
1Please see Terms and Conditions for current annual percentage rates, transaction, penalty, and other fees. 
Credit card program is issued and administered by TIB, N.A. Please see Terms and Conditions.