IberiaBank Visa® Classic Card
Card Type: Visa
Card Issuer: IberiaBank
Card Category: Regular
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- No Annual Membership Fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Online Access to Credit Card Account Information
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- Rating:
- Intro Rate:
- 1.99% APR for 6 Months
- APR (Cash):
- 12.75%, 16.75% or 19.25%*
- APR (Purch):
- 7.25%, 10.25%, or 13.25%*
- Annual Fee:
- $0
Review
The IberiaBank Visa® Classic Card is a low rate credit card issued by Iberia Bank that allows consumers to save money due to its variable low interest rate for purchases and balance transfers. The card, which has worldwide Visa credit card acceptance, also has no annual fee. New card members will enjoy an even lower introductory rate for purchases or balance transfers during the first 6 months of membership. Cardholders are eligible for several low variable rates based on their credit history, and their APR will vary with the market, based on the prime rate. Additionally, an even lower non-variable APR on balance transfers - 1.99% is an added perk to be had for your first 6 billing cycles. Managing your IberiaBank Visa® Classic Card account is easy with online access to your card's info. So staying up to date with your most recent charges and outstanding balance is a piece of cake. Other card holder benefits and perks include auto rental collision damage waiver and roadside dispatch. Furthermore, if you lose your card (or it gets stolen) you have access to emergency cash at over 200,000 locations across the globe - and can even receive a speedy card replacement. The IberiaBank Visa® Classic Card is a no-frills credit card offer that provides consumers with the confidence and support of a card backed by Visa - without having to pay annual fees or other reoccurring charges.
Most attractive features: No annual fee.
Least attractive features: No rewards program.
Additional Perks: Various internet account services. Lost and stolen card reporting. See website for additional benefits.
Rates & Fees
Introductory rate: 1.99% APR for 6 Months
Applied towards: Balance Transfers
Introductory Rate 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.
Apr(Purchases): 7.25%, 10.25%, or 13.25%*
Apr(Cash Advances): 12.75%, 16.75% or 19.25%*
Finance Configuration: Average Daily Balance (including new purchases)
Annual Fee: $0
Additional Cardholders: None
Grace Period: 25 Days
Minimum Credit Limit: n/a
Maximum Credit Limit: n/a
Late Payment Fee: None
Cash Advance Fee: Either $5 or 5% of the amount of each transfer, whichever is greater (maximum fee: $100)
Balance Transfer Fee: 2% of transfer amount
Important Notations: *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.
Rewards
First Purchase Bonus: n/app
Balance Transfer Bonus: n/app
Annual Bonus: n/app
Other Bonus: n/app
Bonus Details n/app
Reward Type: n/app
Optional Rewards: n/app
Minimum Rebate: n/app
Rebate Details: n/app
Maximum Rebate: n/app
Additional Rebates: n/app
Miles per Dollar spent: n/app
Mile Reward Details: n/app
Additional Miles: n/app
Points per Dollar spent: n/app
Point Details: n/app