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State · US-SD

Credit cards in South Dakota

Every card we hold for the United States that our records do not limit to another part of the country, with cards limited to South Dakota and issuers our South Dakota research names listed first.

*every note about South Dakota on this page quotes the page it came from, with the date we read it.

949
cards in the United States catalogue not limited elsewhere
7
regional issuers with branches here
2
sourced notes
South Dakota, sourced

What is different about South Dakota

Each note is taken from the page shown under it. Rules change, so the date we read the page is printed beside it.

Market

On the last day of the historic 1980 session, at Governor Janklow’s urging, legislation inviting Citibank to South Dakota was introduced, passed and signed into law.

Named in the notes

Issuers our South Dakota notes name

An issuer is marked regional only where the line quoted from its source ties who may join, or where it operates, to South Dakota. Being based or big here is not that: an issuer named for its headquarters or size may lend nationwide, and its own page states who can apply.

First Premier Bank, headquartered in Sioux Falls, South Dakota, is an issuer of MasterCard brand credit cards in the United States.

First PREMIER Bank · 3 on file · no regional limit quoted

First PREMIER BankMastercard

PREMIER® Secured Credit Card

Mastercard issued by First PREMIER Bank.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
6 regional networks

Card issuers with branches in South Dakota

Where these issuers have branches, as the regulator's register lists them, with the date we read it. A branch here is not a limit on who may apply — many of these cards are open nationwide — and having no branch here does not rule a card out. The issuer's own page says who can apply. "Regional" means a branch network in at most half the country.

Regional network

Dakotaland Federal Credit Union

12 branches in South Dakota

NCUA's 2026-06 call-report branch file lists 12 offices with member services of "DAKOTALAND" (charter 167) in South Dakota, out of 12 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Dakotaland Federal Credit Union · 1 on file

Regional network

BMO (Bank of Montreal US / BMO Harris)

7 branches in South Dakota

FDIC BankFind lists 7 full-service offices of "BMO Bank National Association" (CERT 16571) in South Dakota, out of 957 full-service offices in 22 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

BMO (Bank of Montreal US / BMO Harris) · 7 on file

BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Business Platinum Rewards Mastercard

Mastercard issued by BMO (Bank of Montreal US / BMO Harris).

BusinessNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Platinum Credit Card

Mastercard issued by BMO (Bank of Montreal US / BMO Harris).

No Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
BMO (Bank of Montreal US / BMO Harris)Mastercard

BMO Platinum Rewards Credit Card

Get 15,000 bonus points when you spend $1,500 within 3 months of opening your account.

Gas & FuelGroceries
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

Bluestone Federal Credit Union

4 branches in South Dakota

NCUA's 2026-06 call-report branch file lists 4 offices with member services of "BLUESTONE" (charter 2874) in South Dakota, out of 4 offices with member services in 1 state.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Bluestone Federal Credit Union · 1 on file

Bluestone Federal Credit UnionVisa

Visa Classic

Visa card issued by Bluestone Federal Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Regional network

First National Bank of Omaha (FNBO / First Bankcard)

3 branches in South Dakota

FDIC BankFind lists 3 full-service offices of "First National Bank of Omaha" (CERT 5452) in South Dakota, out of 117 full-service offices in 9 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

First National Bank of Omaha (FNBO / First Bankcard) · 25 on file

First National Bank of Omaha (FNBO / First Bankcard)Visa

Universal Rewards Visa Signature® Card

Earn $150 as a Statement Credit** when you spend $250 within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open.

No Annual FeeRewards
Annual fee$0per year
Top earn rate2xqualifying Universal Purchases
First National Bank of Omaha (FNBO / First Bankcard)Visa

Complete Rewards Visa Signature Card

Visa card issued by First National Bank of Omaha (FNBO / First Bankcard).

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate5xTravel
First National Bank of Omaha (FNBO / First Bankcard)Mastercard

Amtrak Guest Rewards® Preferred Mastercard®

Mastercard issued by First National Bank of Omaha (FNBO / First Bankcard).

No FX FeePremium
Annual fee$99per year
Top earn rateNot confirmed
Regional network

Citibank / Citigroup

2 branches in South Dakota

FDIC BankFind lists 2 full-service offices of "Citibank, National Association" (CERT 7213) in South Dakota, out of 659 full-service offices in 11 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Citibank / Citigroup · 26 on file

Citibank / CitigroupMastercard

AAdvantage® MileUp® Card

Mastercard issued by Citibank / Citigroup.

AirlineNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Citibank / CitigroupMastercard

Citi Simplicity® Card

Mastercard issued by Citibank / Citigroup.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Regional network

Siouxland Federal Credit Union

1 branch in South Dakota

NCUA's 2026-06 call-report branch file lists 1 office with member services of "SIOUXLAND" (charter 24327) in South Dakota, out of 7 offices with member services in 3 states.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Siouxland Federal Credit Union · 1 on file

National network

Wells Fargo

29 branches in South Dakota

FDIC BankFind lists 29 full-service offices of "Wells Fargo Bank, National Association" (CERT 3511) in South Dakota, out of 4,064 full-service offices in 37 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Wells Fargo · 11 on file

Wells FargoMastercard

Signify Business Cash® Card

Mastercard issued by Wells Fargo.

BusinessCash Back
Annual fee$0per year
Top earn rateNot confirmed
National network

U.S. Bank

8 branches in South Dakota

FDIC BankFind lists 8 full-service offices of "U.S. Bank National Association" (CERT 6548) in South Dakota, out of 2,075 full-service offices in 29 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

U.S. Bank · 19 on file

U.S. BankVisa

State Farm Premier Cash Rewards Visa Signature® Card

Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate3%insurance premium payments
National network

JPMorgan Chase Bank

4 branches in South Dakota

FDIC BankFind lists 4 full-service offices of "JPMorgan Chase Bank, National Association" (CERT 628) in South Dakota, out of 5,145 full-service offices in 49 states.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

JPMorgan Chase Bank · 42 on file

JPMorgan Chase BankVisa

Chase Sapphire Preferred® Card

New Cardmember Bonus – 75,000 Points: To qualify, you must make $5,000 in purchases during the first 3 months from account opening.

No FX FeeRewards
Annual fee$95per year
Top earn rate5xChase Travel
JPMorgan Chase BankVisa

Chase Sapphire Reserve®

New Cardmember Bonus - 100,000 Points: To qualify, you must make $6,000 in purchases during the first 3 months from account opening.

Lounge AccessPremium
Annual fee$795per year
Top earn rate8xall purchases through Chase Travel, including The EditSM
JPMorgan Chase BankVisa

Iberia Visa Signature® Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

AirlineNo FX Fee
Annual fee$95per year
Top earn rate3xIberia, British Airways, and Aer Lingus flight purchases
The ledger

Other cards in the United States

Showing 24 of 813
Listed fullest record first — fee, earn rate, welcome offer and annual-fee check on file — not by merit. A blank on a tile is a figure we do not hold.
Barclays US (Barclays Bank Delaware)Mastercard

AARP® Essential Rewards Mastercard® from Barclays

Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening

Balance TransferCash Back
Annual fee$0per year
Top earn rate3%Drugstores
Barclays US (Barclays Bank Delaware)Mastercard

Athleta Encore Mastercard®

Welcome bonus | Receive 20% off your first purchase with your new card at Athleta

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Barclays US (Barclays Bank Delaware)Mastercard

Banana Republic Encore Mastercard®

Receive 20% off your first purchase with your new card at Banana Republic

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Capital OneVisa

Capital One VentureOne Rewards

Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rate5xhotels, vacation rentals and rental cars booked through Capital One Travel
Virginia Credit UnionMastercard

Flex Rewards Mastercard

Earn 20,000 in bonus points when you spend $3,000 within the first 90 days. That's equal to $200 in gift cards!

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate2xDining
Barclays US (Barclays Bank Delaware)Mastercard

Gap Encore Mastercard®

Welcome bonus | Receive 20% off your first purchase with your new card at Gap

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Wescom Central Credit UnionVisa

MyRewards Visa

One-Time $100 Cash Back Bonus Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rate1.5%Other
Barclays US (Barclays Bank Delaware)Mastercard

Old Navy Encore Mastercard®

Welcome bonus | Receive 30% off your first purchase with your new card at Old Navy

No Annual FeeRewards
Annual fee$0per year
Top earn rate5xGap Inc. family of brands
Patelco Credit UnionMastercard

Points Rewards World Mastercard Credit Card

Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rate2xGas & Fuel
OnPoint Community Credit UnionVisa

Signature Visa with Rewards

Get 10,000 bonus points when you spend at least $1,000 on your new card within the first 90 days.

No Annual FeeTravel Insurance
Annual fee$0per year
Top earn rate3xTravel
Bellwether Community Credit UnionCard

Smart Rewards Credit Card

Receive 5,000 points for $1,000+ spent in the first 90 days

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate1.5xOther
Trugrocer Federal Credit UnionVisa

TruGrocer VISA Rewards Credit Card

Spend $500 within the first 90 days of account opening and receive 10,000 bonus points = to $100 cashback!

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate3xGroceries
Truist BankVisa

Truist Enjoy Beyond

30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening

No FX FeePremium
Annual fee$95per year
Top earn rate3xFlights
Fairwinds Credit UnionVisa

Visa Signature Credit Card

Receive a welcome bonus of 60,000 points when you spend $5,000 in the first three months from account opening, a $900 travel value.

No FX FeeWelcome Bonus
Annual fee$95per year
Top earn rate5xtheme park tickets
Tower Federal Credit UnionMastercard

World Mastercard

$100 cash back when you spend $1,000 on purchases within the first three months of account opening.^

No Annual FeeWelcome Bonus
Annual fee$0per year
Top earn rate1.5%Not yet checked with Tower Federal Credit UnionOther
Coastal Community BankVisa

Aven Bitcoin Visa Card

Visa card issued by Coastal Community Bank.

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate2%Other
Coastal Community BankVisa

Aven Rewards Visa Card

Visa card issued by Coastal Community Bank.

Cash BackMetal Card
Annual fee$0per year
Top earn rate3%Other
BECU (Boeing Employees Credit Union)Visa

BECU Cash Back Credit Card

Visa card issued by BECU (Boeing Employees Credit Union).

Cash BackNo Annual Fee
Annual fee$0per year
Top earn rate1.5%Other
Bilt RewardsMastercard

Bilt Blue Card

$100 of Bilt Cash when you apply and get approved

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)Visa

Breeze Easy® Visa® Credit Card

Earn 40,000 bonus BreezePoints – that’s a $400 value, plus Breezy 1 benefits after spending $1,000 on purchases within the first 90 days.

AirlineBalance Transfer
Annual fee$89per year
Top earn rateNot confirmed

The full United States catalogue →

Questions

South Dakota: the short answers

Which card issuers do our South Dakota notes name?

First Premier Bank, headquartered in Sioux Falls, South Dakota, is an issuer of MasterCard brand credit cards in the United States. (Source: Wikipedia — First Premier Bank.)

What else is different about the card market in South Dakota?

On the last day of the historic 1980 session, at Governor Janklow’s urging, legislation inviting Citibank to South Dakota was introduced, passed and signed into law. (Source: Davenport, Evans, Hurwitz & Smith.)

Which card issuers have branches in South Dakota?

Regional issuers in our catalogue with branches in South Dakota, with their branch count: Dakotaland Federal Credit Union (12), BMO (Bank of Montreal US / BMO Harris) (7), Bluestone Federal Credit Union (4), First National Bank of Omaha (FNBO / First Bankcard) (3), Citibank / Citigroup (2), Siouxland Federal Credit Union (1). A branch is where an issuer is, not a limit on who may apply; each issuer's own page says who can. (Source: NCUA call report; FDIC BankFind.)