Make the dressing: In a medium bowl, whisk the olive oil, vinegar, lime juice and garlic to combine.
Add the tomatoes, red onion, black beans, black-eyed peas, corn, bell pepper, jalapeƱo, poblano and cilantro. Toss to cover with plastic wrap and refrigerate for 2 hours before serving.
To serve, toss well and serve with baked tortilla chips.