The The Peoples Bank is a personal credit card from The Peoples Bank. Application typically pulls a hard report from Experian. The annual fee is None (annual fee $0.00). The ongoing APR is 17.74% to 26.99% variable APR after the introductory period, based on creditworthiness; cash advances 27.74% to 28.24% (disclosure accurate as of October 17, 2026, based on a 6.75% Prime Rate) after a 0.00% on purchases and balance transfers introductory rate for 12 months. Rewards: Unlimited 1% cash back on every purchase. Loan terms: Revolving credit card; due date is at least 23 days after the close of each billing cycle; minimum interest charge $1.00.