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IberiaBank Visa Select Credit Card

IberiaBank Visa® Select

- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
- Intro APR on Balance Transfers of 1.99% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
- Low Annual Fee of $35.00

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Information - Rates - Fees

Intro APR:

1.99%*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

12 months*

APR:

7.50%, 9.50% or 11.50%*

APR Type:

variable

Annual Fee:

$35*

Issuer:

Iberia Bank

Card Network:

VISA®

Card Category:

Consumer (Premium)

Card Type:

Low Interest Credit Card

Credit Needed:

Excellent*

Grace Period:

25 days*

Min Finance Charge:

$1.00

Late Payment Fee:

$29.00*

Over Limit Fee:

$35.00

Balance Transfers

Balance Transfer:

Yes

Cash Advances

APR on Cash Advances (%):

12.75%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$5.00

Maximum Fee:

$100.00

Other Fees

Additional Fees

- Foreign Transaction: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.
- Returned Payment: $35
- Additional Card Fee: $5 per occurrence

Comments

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

Review by CreditCardsBay™

The Select credit card from IberiaBank is just what you want. It charges very low interest rates and no fees on balance transfers. Whether you decide to take advantage of its low interest by transferring debt on high interest cards or not, you can always enjoy the long term intro period applied towards purchases and balance transfers over a 12 month period. Cash advances are not covered by the intro period. A 3% or $5 fee is applied towards cash advances.
Cardholders incur a $45 annual fee.

Card benefits include worldwide acceptance, online account acceptance, and customer support. Additional cards for family and friends are available at $5 per card.

Features

Most attractive:

- Introductory offer
- Low APR on purchases

Least attractive:

- Annual fee
- Not all applicants are eligible to be approved
- No rewards program

Rewards & Benefits

Online Access:

Yes!

The information provided for IberiaBank Visa Select 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.