IberiaBank Visa® Select
Consumer (Premium) Credit Card -- Iberia Bank.
Basic Information
- 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.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 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.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00.
0%* Intro APR
or 7.50% for 12 months*Intro APR Period
$35.00*Annual Fee
Excellent*Credit Needed
25 days*Grace Period
$29.00*Late Payment Fee
Card Review
The IberiaBank Visa Select Credit Card is a regular card for individuals with excellent credit and a solid history. The card presents an ideal opportunity for individuals in debt to gain additional savings from interest payments. It boasts a long term introductory APR period applied towards purchases, and balance transfers. With no balance transfer fee cardholders are further encouraged to take advantage of the intro offer. Cash advance transactions incur a slightly higher APR which is still lower than what many other credit cards charge. A 3% or $5 cash advance fee is applicable.
The card charges a $45 annual fee.
Card benefits include customer support, and fraud protection. Free online account access is also available. Using the feature cardholders have unrestricted access to the card account for monthly statements. Applicants must present proof of income, and have spent a minimum six months at their current employer.
Rewards & Benefits
Card Finance & Rates
Cash Advances
Other Fees
- Returned Payment: $35
- Additional Card Fee: $5 per occurrence
Notes
The information provided for the IberiaBank Visa Select is considered to be accurate at the time of posting (Nov 18, 2011). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.
Application Security
Please note that all applications feature secure SSL technology for your online protection.
