|IberiaBank Visa Classic Card|
issued by IberiaBank
Apply online for this card or
read on for a full review of all the features.
| In-Depth Credit Card Review|
|This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.|
The IberiaBank Visa® Gold Cash Back Rewards Card is a cash rewards offer that gives cardmembers 1% in cash back on eligible purchases. With a low introductory rate for balance transfers for the first six months and other card features - it's the perfect choice for those wanting rewards and a low interest rate.
Low Interest Rate. With a low variable interest rate on purchases is as low as 9.25%. The assigned purchase rate is based on the market prime rate and your credit worthiness
Balance Transfers. The low APR on balance transfers is as low as 1.99% for the first six billing cycles. The low rate on balance transfers does not change during the introductory period and applies to balance transfers that are processed within three months of opening your account. After the three month period, the APR is the same as your low interest rate on purchases.
Cash Back. As a full-service rewards credit card, you are entitled to cash back after your application is approved. For all qualifying purchases, you can enjoy 1% cash back. There is no limit to the amount of cash that you can earn so you can keep spending and earning.
No Annual Fee. In addition to a low APR on purchases and balance transfers, you will not have to pay an annual fee as a cardholder if you are approved for the card. Other perks include exclusive travel benefits and services such as collision damage, roadside dispatch and insurance up to $500,000.
In order to ensure your safety and protection, IberiaBank provides online access for 24 hour account management. Cardholders can access all of their account information online, any time. For those that appreciate low interest, rewards, travel service and no annual fee - apply for the card that gives you what you want, the IberiaBank Visa® Gold Cash Back Rewards Card.
Most Attractive Feature: No annual fee.
Least Attractive Feature: No rewards program.
Note: The review of this IberiaBank card was updated on 04/10/2012 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
|Key Card Information|
|Introductory Rates and Terms|
|Intro Rate:||1.99% APR for 6 Billing Cycles|
|Applied Towards:||Balance Transfers|
|Details:||Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.|
|Miscellaneous Rates and Terms|
|Credit Limits:||$14,000 (Maximum) / $1,000 (Minimum) |
|Purchases APR:||7.25%, 10.25%, or 13.25%* |
|Cash Advance APR:||12.75%, 16.25% or 19.25%* |
|Finance Config:||Average Daily Balance (including new purchases)|
|Grace Period:||25 Days|
|Fees Associated with this Card|
|Annual Fee:||$0 |
Additional card fee is $5 per occurrence.
|Late Payment Fee:||Up to $35|
|Over the Credit Limit Fee:||None|
|Cash Advance Fee:||Either $5 or 5% of the amount of each transfer, whichever is greater (maximum fee: $100)|
|Balance Transfers:||2% of transfer amount|
|Additional Highlights of Interest|
Special Card Benefits and Features
Various internet account services.
Lost and stolen card reporting.
See website for additional benefits.
Important Notes Regarding This Offer
*This APR may vary with the market based on the Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.