- 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.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
Introductory APR Info
Regular APR
Annual Fee
1.99% APR for 6 Months
9.25%, 12.25%, or 15.25%*
$0
Card Review
The IberiaBank Visa® Platinum Rewards Card, issued by IberiaBank, is ideal for those with very good credit who plan to take advantage of the rewards program offered.
Through the rewards program, cardholders earn one point per dollar spent on qualifying purchases.
Points are redeemable for merchandise, travel and gift certificates to participating restaurants and merchants.
There is no annual fee for the ScoreCard® Bonus Points Program.
In addition, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.
Aside from the rewards program, cardholders can expect common benefits, such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and various online account services.
Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the rewards program will benefit most from what the IberiaBank Visa® Platinum Rewards Card has to offer.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
IberiaBank
Card Type
Visa
Card Status
Platinum
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.
Grace Period
25 Days
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
n/app
Over Limit 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
Application Fee
n/app
Rebate Minimum
n/app
Rebate Maximum
n/app
Additional Rebates
n/app
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
1 Point
Point Details
Points are redeemable for hotel, gift or merchandise rewards.
Additional Points
None
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
None
Additional Perks
Various Internet account related services.
Lost and stolen card reporting.
Up to $1,000,000 in travel accident insurance.
See website for additional benefits.