In a large bowl, combine the chickpeas, black beans, kidney beans, corn, red bell pepper, red onion, and cilantro.
In a small bowl, whisk together the lime juice, olive oil, cumin, salt, and black pepper.
Pour the dressing over the bean mixture and toss to coat thoroughly.
Cover and refrigerate for at least 30 minutes to let the flavors meld together.
Serve chilled or at room temperature.