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Plains Commerce Bank
CREDIT CARD ALTERNATIVES

Plains Commerce Bank is a community bank that provides traditional banking services to local businesses and customers. Bank offers various bank accounts to consumers, including credit cards. Below you will find some alternatives to Plains Commerce Bank credit cards which are available for online application.
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UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Secured Cards
  • Prepaid Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!

REGULAR APR

  • 29.99% (variable)

ANNUAL FEE

  • $0
Offer is not available

Rating 3.2

Good/Limited Credit

KEY FEATURE

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.273

REGULAR APR

  • See terms273

ANNUAL FEE

  • $39273

KEY FEATURE

  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!

REGULAR APR

  • 29.99%* Variable

ANNUAL FEE

  • $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • No hidden fees ($0 minimum balance and $0 maintenance fees).

ACTIVATION FEE

  • $0

MAINTENANCE FEE

  • $0

Rating 4.6

All Credit Types Considered

KEY FEATURE

  • No monthly fees with eligible direct deposit, otherwise $5 per month.

ACTIVATION FEE

  • $0

MAINTENANCE FEE

  • No monthly fees with eligible direct deposit, otherwise $5 per month

KEY FEATURE

  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

ACTIVATION FEE

  • $0

MAINTENANCE FEE

  • $0 with eligible direct deposit
Viewing 1 - 2 of 3

our choice

Rating 3.9

Excellent, Good, Fair, Average Credit

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0

KEY FEATURE

  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)

Rating 3.8

Excellent, Good, Fair, Average Credit

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0

KEY FEATURE

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

Rating 4.1

Excellent/Good Credit

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 20.49% to 30.24%, based on your creditworthiness

ANNUAL FEE

  • $95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage

KEY FEATURE

  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • See Terms

Rating 3.7

Bad, Fair, Good Credit

KEY FEATURE

  • See if you’re Pre-Qualified without impacting your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $75 - $125

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

other alternatives TO PLAINS COMMERCE BANK
CREDIT CARDS

our choice

Rating 4.1

  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.
  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
  • Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
  • No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
  • Manage your card and finances using Rocket Money app.
  • Digital card security with built-in features, like Freeze Card.
  • Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
  • See if you’re preapproved in as little as 2 minutes with no impact to your credit score.

our choice

Get a
$200
Statement Credit
Bonus Offer:
Receive a $200 statement credit when you spend $3,000 in the first 3 months.
Earn More
on Your
Daily Spending
Rewards on Everyday Purchases:
Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
Redemption Options:
Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
Rewards Expiration:
So long as your Rocket Visa Signature Card remains in good standing, your Points never expire.
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
Late Payment Fee:
Up to $25

our choice

Rating 3.9

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
$0
$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
3%
Cash Back
Max. Rewards:
3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

our choice

$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
1.5%
Cash Back
Max. Rewards:
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
$0

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®
  • *See Program Terms for important information about the cash back rewards program.
  • **Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

our choice

Up to
3%
Cash Back
Max. Rewards:
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases:
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard® is Accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line:
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check:
Yes
Pre-Approval:
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured
Checking Account Required:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

card offers FROM
PLAINS COMMERCE BANK

Plains Commerce Bank is headquartered in Hoven and is one of the largest banks in South Dakota. The bank was founded in 1931, and it started as the Bank of Hoven. The name Plains Commerce Bank appeared after the merge with The People's Bank and represents the bank's place in the nation and its core strengths.

Today Plains Commerce successfully serves North and South Dakotas providing quality services and products to its customers. The bank has 9 locations throughout Dakotas and thousands of ATM locations nation-wide. Customers can also enjoy the convenience of online banking by opening or managing their accounts online.

Consumers who like the convenience of credit cards may like PCB Secured Visa cards. As all secured cards, PCB Secured Visa cards require at least a minimum collateral deposit, which is $200. The card's credit limit will be equal to the paid deposit. However, the collateral deposit can't be above $1,000 within the first year.

Plains Commerce Bank credit cards are reported to all three major credit bureaus allowing consumers to build or rebuild their credit with responsible card use.

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