IberiaBank Visa® Platinum Rewards Card
 |
Overall Rating 5.0
Benefit Rating3.5
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 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- Turn Your Points Into Hotel, Gift, or Experience Rewards
- Travel Accident Coverage Up to $1,000,000
- 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 | Platinum |
| 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 | Very Good |
Rewards Information
| Points per Dollar Spent | 1 Point |
| Additional Points | None |
| Miles per Dollar Spent | |
| Additional Miles | |
| Additional Perks | Various Internet account related services. Lost and stolen card reporting. Up to $1,000,000 in travel accident insurance. See website for additional benefits. |
Important Notations:
*The APR for purchases 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® Platinum Rewards Card
Issued by VisaMost Attractive Feature(s): Reasonably low APR for those who qualify; No annual fee.
Least Attractive Feature(s): Limited benefits offered.
Description
The IberiaBank Visa® Platinum Rewards Card, issued by IberiaBank, is ideal for those with very good credit who plan to take advantage of the rewards program offered. Through the rewards program, cardholders earn one point per dollar spent on all qualifying purchases. Points are redeemable for merchandise, travel and gift certificates to participating restaurants and merchants. There is no annual fee for the ScoreCard® Bonus Points Program. There is no annual fee and the interest rate for purchases is reasonably low for a reward card (for those who qualify). In addition, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership. Aside from the rewards program, cardholders can expect common benefits, such as up to $1,000,000 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 rewards program will benefit most from what the IberiaBank Visa® Platinum Rewards Card has to offer.
Updated: Jul 14 2009 11:00AM