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IberiaBank Classic Visa Credit Card

IberiaBank Visa® Classic

- 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. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information

(4.0 out of 5.0)

Information - Rates - Fees

Intro APR:

1.99%*

Applied Towards:

Balance Transfer

Intro Period:

6 months*

APR:

13.25% - 7.25%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

Iberia Bank

Card Network:

VISA®

Card Category:

Consumer (Regular)

Card Type:

Low Interest Credit Card

Credit Needed:

Good*

Grace Period:

25 days*

Min Finance Charge:

$1.00

Late Payment Fee:

N/A*

Balance Transfers

Balance Transfer:

Yes

Cash Advances

APR on Cash Advances (%):

12.75%

Cash Advance Fee (%):

5.00%

Minimum Fee:

$10.00

Maximum Fee:

$100.00

Other Fees

Additional Fees

Insufficient Check Fee: $35.00
Foreign Transaction Fee: 2%

Comments

* See website for complete terms and conditions of card usage and application disclosure.

Review by CreditCardsBay™

The Iberia Bank Visa Classic credit card is basic credit for individuals with good credit rating who do not plan to take advantage of a credit card rewards program and side benefits usually accorded platinum cards. This card does not come with the usual VISA card benefits. There is no rewards, rebate or cash back program for members to benefit from.

An introductory APR period lasts over a mid term period. The intro period applies towards balance transfers conducted within 3 months of card membership. Cash advances incur a 5% transaction fee. Purchase APR is very low and based on a prime rate.

Online account management is a side benefit for card members to avail of. When online, card members could have access to credit card information contain expenses, card charges, bills, cash advances, balance transfers and other details.

Features

Most attractive:

- Low APR for Purchases
- Introductory rates for Balance Transfer
- No annual fee
- no charge penalty pricing
- no over the limit fees

Least attractive:

- No ordinary Visa benefits included

Rewards & Benefits

Online Access:

Yes!

The information provided for IberiaBank Visa Classic is believed to be accurate at the time of evaluation (Sep 7, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.