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• Variable Rate APR ranging from Prime + 5.5% thru Prime + 12.00% depending on creditworthiness and other factors
• Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
• No annual membership fee
• Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within thre
• 25 day grace period
• Online access to credit card account information
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IBERIABANK Visa® Classic Card
Iberiabank Visa Classic If you have an average credit history and are looking for a no-frills credit card to suit your needs, the Iberiabank Visa Classic Card may be what you are looking for.
Interest Rate and Fees
If your main interest in a credit card is getting a good interest rate, then this card may be well suited for you. Cardholders will receive either a 8%, 9%, or 10% variable interest rate depending on their credit profile. Cardholders will also enjoy 0% interest on all balance transfers during the first six months.
The Iberiabank Visa Classic Card even offers low rates for cash advances. Depending on your credit history, you will pay an interest rate of 12%, 13%, or 14% on cash advances. There is a minimum finance charge of $1.00.
The card also has no annual fee and there are also no fees for balance transfers.
No Rewards Program
The Iberiabank Visa Classic Card does not have a rewards program. However, the cardholder should take into account the interest rate offered by Iberiabank in lieu of the rewards program. Many credit cards that offer rewards programs have a higher interest rate and many also have annual fees associated with the cards. Iberiabank Visa Classic Cardholders should realize that the reward offered is the low interest rate and no annual fees.
Account Access
Cardholders will be able to access their credit card information online at any time.
Other Benefits
Cardholders will receive other standard Visa benefits, such as fraud protection. Cardholders will also be able to use their classic card at all locations where Visa is accepted.
Is This Card for You?
The Iberiabank Visa Classic Card is for those who are looking for a basic credit card. This card does not have any features that will wow anyone. However, the card does have an interest rate lower than most, and, therefore, could end up saving you quite a bit of money. If you have balances on other credit cards, you may be able to take advantage of the 0% APR on balance transfers during the first six months and save more money that way.
If you are looking for a card with a rewards program, you should look elsewhere. Also, if you have a good credit history, you may be able to apply for a gold or platinum card instead of the classic card. Gold and platinum cards offer more benefits and may be able to offer you a competitive interest rate and a rewards program.
You should check the terms and conditions of the Iberiabank Visa Classic Card to see if this card will fit into your lifestyle.
Most Attractive Feature: Low interest rate and no annual fees.
Least Attractive Feature: No rewards program.
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Introductory Offer
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Introductory Term
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Annual Fee
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Late Fee
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Credit Required
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N/A
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N/A
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None
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See Terms*
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Excellent
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