Credit Card Review & Application

IberiaBank Visa Select


out of 5

- 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.
- Intro APR on Balance Transfers of 1.99% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
- Low Annual Fee of $35.00

Introductory APR: 1.99%*
Introductory Period: 12 months
APR on Purchases: 7.50%, 9.50% or 11.50% (variable)*
Annual Fee: $35*
Card Issuer: Iberia Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Low Interest Credit Card
Credit Needed: Excellent*

IberiaBank Visa Select Card is a basic credit card for U.S. consumers. It doesn't offer a rewards program but there's plenty to make up for this as cardholders enjoy low rates on all transactions including purchases and balance transfers. A low intro period on purchases and balance transfers applies throughout a 12 month period. The card provides a great opportunity for consumers in debt to enjoy lower interest rates while paying off the balance. There's no balance transfer fee and a low intro rate covers balance transfers over a long period. Cash advance APR is slightly higher but based on the prime rate.

The cash advance transaction fee is 3% or $5 whichever is greater with a $100 maximum fee. Transactions in foreign currency are charged a 3% foreign transaction fee. Cardholders enjoy a lengthy 25 day grace period. An over-the-limit fee of $35 is charged, cardholders who pay late incur a $15 if the balance is lower than $100, $29 when more than $100 and $35 if it exceeds $1,000.

Free online account access makes it easy for cardholders to keep tabs on expenses, charges and other vital information. Cardholders are made privy to benefits such as fraud liability protection from VISA. There's also emergency card replacement and customer support within reach from anywhere in the world.

IberiaBank Visa Select Card charges a $45 annual fee. It's a credit card designed for individuals having excellent credit and a solid history. It's the perfect card for the simple individual looking to save money effortlessly. Just charge purchases to the card and if you carry a balance over, there'll be less interest charges to worry about. Cardholders may invite family and friends to share the experience with additional cards available for $5 per card.

Applicants must have a minimum 6 months length of employment with their current employer, proof of income is also required. This card comes on the Visa network with more than 25 million merchants and retailers worldwide. Avoid high interest rates and save thousands of dollars by switching to this card.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: *See Terms and Conditions of the card
Comments: * See website for complete terms and conditions of card usage and application disclosure.
Online Account Access: Yes
Introductory APR: 1.99%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 12 months*
APR on Purchases: 7.50%, 9.50% or 11.50% (variable)*
Annual Fee: $35*
Grace Period: 25 days*
Min Finance Charge: $1.00
Late Payment Fee: $29.00*
Over Limit Fee: $35.00
Balance Transfer: Yes
APR Cash Advances: 12.75%
Cash Advance Fee: 3.00%
Minimum Fee: $5.00
Maximum Fee: $100.00
Additional Fees - Foreign Transaction: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.
- Returned Payment: $35
- Additional Card Fee: $5 per occurrence

We do not offer online application for this card at the moment.

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† The information provided for IberiaBank Visa® Select 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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