In large bowl, mix together black beans, pinto beans, black-eyed peas, white corn, jalapeño peppers, red bell pepper, red onion, and cilantro until thoroughly distributed.
In small bowl, whisk together red wine vinegar, olive oil, honey, garlic powder, and salt until combined.
Pour dressing over bean mixture.
Gently stir or toss to coat. Serve immediately with tortilla chips, or chill until serving.