IberiaBank Visa Classic Card
issued by IberiaBank |
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Overall Rating
Benefit Rating
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Apply online for this card or
read on for a full review of all the features.
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 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® Classic Card, issued by Pulaski Bank, is designed for those with average credit who may occasionally carry a balance.
Although this card does not offer a rewards program, it does offer access to common services and benefits, including online account access and lost and stolen card reporting.
The card has no annual fee and offers a 0% introductory rate that can be applied towards balance transfers for the first six months. Once the introductory rate expires, the card offers a very low interest rate for all transactions. This is a rare benefit, considering that the rate for cash advances is generally much higher than that of purchases.
Therefore, those who are looking for a low rate credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Classic Card has to offer.
Most Attractive Feature: Low APR on all transactions; 0% introductory offer; no annual fee.
Least Attractive Feature: No rewards program.
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Note: The review of this IberiaBank card was updated on 04/07/2008 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
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Balance Transfers |
| Details: | The introductory rate is available on balance transfers submitted during the first three months. | | Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | 4.25% | | Cash Advance APR: | 5.25% | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 25 Days | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
| Over-the-Limit Fee: | $35 | | Cash Advance Fee: | 5%, $5 minimum, $100 maximum |
| Balance Transfers: | None |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various internet account services.
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Lost and stolen card reporting.
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See website for additional benefits.
Important Notes Regarding This Offer
The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be -1.00%, 0.00%, or 1.00% + Prime Rate.
The APR for cash advances varies according to the applicant\'s credit history and will be 0.00%, 1.00%, or 2.00% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
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