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IberiaBank Visa® Gold Cash Back Rewards Card

Overall Rating
5.0
Benefit Rating
3.5
About Ratings 		Apply Now BALANCE TRANSFERS INTRO RATE APR
(PURCH)		 APR
(CASH)		 ANNUAL FEE
Rate Duration Rate Duration
1.99% 6 mths N/A N/A 9.75 13.75% $0

Key Features:

  • Earn 1% in Cash Back Credit on All Qualifying Purchases
  • No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
  • Travel Accident Coverage Up to $500,000
  • No Annual Membership Fee
  • Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
  • 25 Day Grace Period
  • Online Access to Credit Card Account Information

Rates and Fees

Card Type Visa
Introductory Rate Offer n/a
Card Status Gold
APR for Purchases As low as 9.75%*
APR for Cash Advances 13.75%
Annual Fee 0%
Annual Fee
for additional cardholders		 $0
Grace Period 25 Days
Minimum Credit Limit n/a
Maximum Credit Limit n/a
Late Payment Fee $15 for balances less than $100; $29 for balances of $100 to $1,000; $35 for balances greater than $1,000
Over the Limit Fee $35
Cash Advance Fee 5%, $5 minimum, $100 maximum
Balance Transfer Fee 2% of transfer amount
Credit Rating Good

Rewards Information

Points per Dollar Spent
Additional Points
Miles per Dollar Spent
Additional Miles
Additional Perks Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. See website for additional benefits.

Important Notations:

*The APR for purchases ranges will be 9.75%, 13.25%, or 16.25%. *The APR for cash advances varies according to the applicant's credit history and will be 13.75%, 17.25%, or 20.25%. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Gold Cash Back Rewards Card

Issued by Visa
Most Attractive Feature(s): Low APR for those who qualify; No yearly limit or expiration on rebates.
Least Attractive Feature(s): Minimal benefits offered.

Description

The IberiaBank Visa® Gold Cash Back Rewards Card, issued by IberiaBank, is designed for those with good credit who would like to take advantage of the cash reward program. Through the rewards program, cardholders earn 1% in cash back credit on all qualifying purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account. The card has no annual fee and the interest rate for purchases is reasonably low for a rewards card (for those who qualify). Plus, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership. In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 in travel accident insurance, lost and stolen card reporting, and various online account services. Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the cash rebate program will benefit most from what the IberiaBank Visa® Gold Cash Back Rewards Card has to offer.

Updated: Jul 14 2009 11:13AM

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