- 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.
- Online Access to Credit Card Account Information
Introductory APR Info
Regular APR
Annual Fee
1.99% APR for 6 Months
7.25%, 10.25%, or 13.25%*
$0
Card Review
The IberiaBank Visa® Classic Card, issued by IberiaBank, is designed for those with average credit who may occasionally carry a balance.
The card has no annual fee and offers a low introductory rate that can be applied towards balance transfers for the first six months.
Although this card does not offer a rewards program, it does offer access to common services and benefits, including online account access and lost and stolen card reporting.
Therefore, those who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Classic Card has to offer.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
IberiaBank
Card Type
Visa
Card Status
Standard
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
n/app
Point Details
n/app
Additional Points
n/app
Approval Bonus
n/app
First Purchase Bonus
n/app
Balance Transfer Bonus
n/app
Other Bonus
n/app
Bonus Details
n/app
Additional Perks
Various internet account services.
Lost and stolen card reporting.
See website for additional benefits.