IberiaBank Visa Platinum Rewards Card
Apply now | Details
- 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 ARP 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 bonus point for every $1 in qualifying net retail purchases
- Up to 18,000 bonus points in the first year of account ownership
- Earn Bonus Points - 2X, 3X, 4X or more at participating retailers and in-store
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
5.0 / 5.0 (99 votes)
Leave your vote!

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:
Yes

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

The Iberia Bank Visa Platinum Rewards credit card is intended to encourage those consumers having excellent credit to consolidate their everyday expenses on this card for low interest and opportunities to enjoy rewards on larger purchases.

An introductory APR period charges no interest on balance transfers over a mid term period. Balance transfers must be submitted within 3 months of card membership to participate. Purchase APR is quite low and very competitive. No annual fee is charged.

Members are made privy to a card rewards program to earn points on qualifying purchases. Reward options include cash, merchandise, gift certificates and travel. There's no yearly limit or expiry date on points earned. Online account management and travel accident insurance are additional card benefits.

Features

Most attractive:
- Low APR for Purchases
- Introductory rates for Balance Transfers
- Bonus points
- No annual fee
- No over the limit fees
Least attractive:
- Cannot find any

Rewards & Benefits

Reward Unit:
Point
Rewards:
- Up to 18,000 bonus points in the first year of account ownership
- 1 point for every $1 spend on your everyday purchases
- Earn Bonus Points - 2X, 3X, 4X or more at participating retailers and in-store
- Points are redeemed for merchandise and travel awards
Expiration:
None
Yearly Limit:
None
Other Benefits:
- Various Internet related Benefits
- Travel accident coverage up to $1,000,000
Online Access:
Yes!

The information provided for IberiaBank Visa Platinum 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.

Back to top
You may also be interested in:

Credit Cards