Credit Card Review & Application

IberiaBank Visa Platinum Rewards Card

5.0

out of 5

- 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



Introductory APR: 1.99%*
Introductory Period: 6 months
APR on Purchases: 15.25% - 9.25% (variable)*
Annual Fee: $0*
Card Issuer: Iberia Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Low Interest Credit Card
- Reward Card
Credit Needed: Excellent*

by

Iberia Bank Visa Platinum Rewards Card is designed for individuals having excellent credit. It encompasses a variety of card features and benefits to provide an all round credit card that's good enough for everyone who qualifies.

Card members are made privy to an introductory APR period charging no interest on balance transfers. This intro period lasts over a mid term. Balance transfers must be initiated within 3 months of card membership to partake in this intro period. Cash advances do not partake. A 5% transaction fee is applied on every cash advance transaction. There is no balance transfer fee.

Purchase APR is low and highly competitive. Interest varies from time to time based on the prime rate. Card members are not charged an annual membership fee. A long lasting grace period gives enough time to avoid late payment.

As a side benefit, travel accident insurance up to $1,000,000 compensates a card beneficiary in cases of accidental card dismemberment. Online account management is carried out through a secure interface. Members with access to the internet can check card account information including expenses, bill, charges, points earned, balance transfers, cash advances and other details whenever online. All transactions are neatly listed out on paperless statements for easier referencing.

On the rewards program, card members earn a single point per dollar spent on net retail purchases. Points earned are used to redeem travel rewards, free merchandise from reputable merchants and retailers, gift certificates and cash delivered to the billing address. Card members whose accounts are not in good standing are not eligible to redeem points and may lose points already earned.
There's no yearly limit or expiry date so card members can acquire as much points as planned.

IberiaBank Visa Platinum Rewards Card is just the right credit card on which to consolidate expenses. Consumers who do this will have greater chances of earning reward prizes as they purchase.

This credit card is a Visa platinum that should please every consumer. Low purchase APR is an important feature when searching for a credit card and this card offers one of the lowest rates available. Online applicants are encouraged to go through applicable terms and conditions for up to date card information.

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
Comments: * See website for complete terms and conditions of card usage and application disclosure.
Online Account Access: Yes
Introductory APR: 1.99%*
Applied Towards: Balance Transfer
Introductory Period: 6 months*
APR on Purchases: 15.25% - 9.25% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: $1.00
Late Payment Fee: N/A*
Balance Transfer: Yes
APR Cash Advances: 13.75%
Cash Advance Fee: 5.00%
Minimum Fee: $5.00
Maximum Fee: $100.00
Additional Fees Insufficient Check Fee: $35.00
Foreign Transaction Fee: 2%
We do not offer online application for this card at the moment.


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† The information provided for IberiaBank Visa Platinum Rewards Card is believed to be accurate at the time of evaluation (Jan 8, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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