IberiaBank Visa® Gold Cash Back Rewards Card
Card Type: Visa
Card Issuer: IberiaBank
Card Category: Reward - Cash
Apply for Platinum BusinessCard with Unlimited Rewards
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) 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.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
- Data
- Rating:
- Intro Rate:
- 1.99% APR for 6 Months
- APR (Cash):
- 14.75%, 18.25%, 21.25%*
- APR (Purch):
- 9.25%, 12.25%, or 15.25%*
- Annual Fee:
- $0
Review
The IberiaBank Visa® Gold Cash Back Rewards Card issued by IberiaBank is a cash rewards credit card that gives members a low variable rate. The APR will be determined by creditworthiness and will vary based on market conditions. Balance transfers with this no annual fee card that you enact within the first three months of opening your account will enjoy an even lower APR of 1.99% as an introductory rate for the first 6 months. This lower rate will be fixed, and won't change during your introductory period. Qualifying purchases earn you cash back rewards - specifically, a 1% cash back credit. There is also no limit on cash back credits and no expiration date on eligibility, provided your account remains in good standing. It also gives you confidence and purchase power: In the event that something unplanned or unfortunate occurs, as a cardholder you're covered with travel accident coverage up to $500,000. Keeping track of your credit card account is also easy, as the IberiaBank Visa® Gold Cash Back Rewards Card provides safe, convenient online access to your credit card account information. Whether you're a frequent traveler, or simply just searching for a great benefit filled credit card, adding the IberiaBank Visa Gold Cash Back Rewards Card to your financial portfolio means having a card that you can use anywhere that Visa is accepted.
Most attractive features: Low APR for those who qualify; No yearly limit or expiration on rebates.
Least attractive features: Minimal benefits offered.
Additional Perks: Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. 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 your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Apr(Purchases): 9.25%, 12.25%, or 15.25%*
Apr(Cash Advances): 14.75%, 18.25%, 21.25%*
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: 5% of the amount of the advance, but not less than $5.00, no more than $100.00.
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: None
Balance Transfer Bonus: None
Annual Bonus: None
Other Bonus: None
Bonus Details None
Reward Type: Rebate
Optional Rewards: No
Minimum Rebate: 1%
Rebate Details: Earn 1% in Cash Back Credits for every $1.00 of qualifying credit card purchases
Maximum Rebate: 1%
Additional Rebates: None
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