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Credit Cards

You don’t have to break the bank to put the things you want in life within reach. A credit card can increase your buying power to help you purchase large items, or everyday items. You can even earn rewards while you do it.

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All our cards are on the table

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.

With many confusing offers out there,

make the local choice from CSB.

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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.

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No annual fee

No need to worry about receiving an annual fee with your Citizens State Bank Credit Card.

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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.

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The support you need

With 24-hour customer assistance, online access, and your local Citizens State Bank representatives available to help, you'll be sure to have the support you need.

Need a credit card? Apply today!

Take your pick of a Preferred Points Rewards Card packed with lots of fun options, or a Low-Rate card with an even more competitive ongoing APR.

Low-Rate Card

Features Include

  • Introductory rate of 2.9% APR2 for the first 6 months
  • Ongoing variable APR2 of prime plus 6.99%
  • No Annual Fee3

Preferred Points Product

Features Include

  • Introductory rate of 2.9% APR2 for the first 6 months
  • Ongoing variable APR1 of prime plus 11.99%
  • No annual fee3
  • Cardholders can earn points4 towards a broad array of interchangeable rewards including travel, cash back, merchandise, and retail gift cards.

1Receive 1,000 bonus points each month you use your new card during the first three months after receipt.
2Please see application for current annual percentage rates, transaction, penalty, and other fees.
3Personal credit card applications only.
4Maximum of 10,000 points per month with preferred points card. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
Credit card program is issued and administered by TIB The Independent BankersBank, N.A. Please see application for full terms and disclosures.

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 $10,000; they can be used everywhere Visa is accepted. With many designs to choose from, you can show your appreciation in an impactful way.

Gift Cards


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.

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