IberiaBank Visa® Select Card
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Overall Rating 0.0
Benefit Rating2.5
About Ratings
|
Apply Now | BALANCE TRANSFERS | INTRO RATE | APR (PURCH) |
APR (CASH) |
ANNUAL FEE | ||
|---|---|---|---|---|---|---|---|---|---|
| Rate | Duration | Rate | Duration | ||||||
| 8.75% | 12 mths | 8.75% | 12 mths | 8.75 | 12.75% | $45 | |||
Key Features:
- Introductory Fixed Rate on Purchases and Balance Transfers of 8.75% APR for the First 12 Billing Cycles
- Low Ongoing Variable Rate APR after Introductory Period
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
Rates and Fees
| Card Type | Visa |
| Introductory Rate Offer | 8.75% for 12 months |
| Card Status | Standard |
| APR for Purchases | 8.75% |
| APR for Cash Advances | 12.75% |
| Annual Fee | 45% |
| Annual Fee for additional cardholders |
$5 |
| Grace Period | 25 Days |
| Minimum Credit Limit | n/a |
| Maximum Credit Limit | n/a |
| Late Payment Fee | $15 if balance is less than $100; $29 if balance is $100 to $1,000; $35 if balance is more than $1,000 |
| Over the Limit Fee | $35 |
| Cash Advance Fee | Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $100) |
| Balance Transfer Fee | None |
Rewards Information
| Points per Dollar Spent | |
| Additional Points | |
| Miles per Dollar Spent | |
| Additional Miles | |
| Additional Perks | Various internet account services. See website for additional benefits. |
Important Notations:
IberiaBank Visa® Select Card
Issued by VisaMost Attractive Feature(s): Low ongoing variable rate APR after introductory period.
Least Attractive Feature(s): No rewards program.
Description
The IberiaBank Visa® Select Card, issued by IberiaBank, is designed for those with excellent credit who may occasionally carry a balance. This credit card has an introductory fixed rate on purchases and balance transfers of 8.75% APR for the first 12 billing cycles. After the introductory period, the card offers a low ongoing variable APR. There is no transaction fee for balance transfers. The IberiaBank Visa® Select Card is designed for individuals with excellent credit. Applicants are required to be employed by their current employer for a minimum of six months. Proof of income is also required from both the applicant and co-applicant in order to complete the application. Although the IberiaBank Visa® Select Card does not offer a rewards program, it does offer access to common services and benefits, including online access to credit card information. Therefore, those with excellent credit who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Select Card has to offer.
Updated: Aug 20 2009 3:01PM