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Gold IberiaBank Visa Cash Back Rewards Credit Card

IberiaBank Visa® Gold Cash Back Rewards Card

- 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. This APR will vary with the market based on the Prime Rate.
- 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

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Information - Rates - Fees

Intro APR:

1.99%*

Applied Towards:

Balance Transfer

Intro Period:

6 months*

APR:

15.25% - 9.25%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

Iberia Bank

Card Network:

VISA®

Card Category:

Consumer (Premium)

Card Type:

Low Interest Credit Card
Reward Card

Credit Needed:

Excellent*

Grace Period:

25 days*

Min Finance Charge:

$1.00

Late Payment Fee:

N/A*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

13.75%

Cash Advance Fee (%):

5.00%

Minimum Fee:

$5.00

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 Gold Cash Back Rewards credit card is designed for consumers having good or excellent credit. It's a credit card charging very low interest which makes it a favorite pick to consolidate purchases. On the cash back program, members earn 1% cash back per purchase transaction. There are no restrictions based on an annual limit and cash earned does not expire.

Members are given online account access, and travel accident insurance as side benefits. With online account access, it becomes easier to monitor spending and detect fraudulent transactions. Travel accident insurance compensates a beneficiary up to $500,000 in the unfortunate event of accidental dismemberment. Card members do not incur an annual membership fee.

Read applicable card agreement before applying.

Features

Most attractive:

- Free enrollment for ScoreCard CashBack rewards program
- No annual fee
- Low APR for Purchase
- Introductory rates for Balance Transfers
- No longer charge penalty pricing
- No over the limit fees

Least attractive:

- No Ordinary Visa benefits

Rewards & Benefits

Reward Type:

Cash Back Reward Cards

Reward Unit:

Cash

Rewards:

- Earn 1% in Cash Back Credits for every $1.00 of qualifying credit card purchases (net of items returned for credit).

Expiration:

None

Yearly Limit:

None

Other Benefits:

- Travel accident coverage up to $500,000

Online Access:

Yes!

The information provided for IberiaBank Visa Gold Cash Back Rewards Card 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.