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IberiaBank Visa® Platinum Rewards Card
Issued by IberiaBank
Overall Rating

Benefit Rating

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Review
The IberiaBank Visa® Platinum Rewards Card is a rewards credit card that specializes in low interest rates and unique rewards. When you sign up for this card you get all the things people want in a credit card along with online access, travel insurance and redemption options.

Earn 18,000 yearly bonus points. Cardholders may earn up to 18,000 bonus points in the first year of account ownership.

Low APR on Purchases. One of the great things about the card offer is that you can make purchases and not pay high interest. The interest rate is based on the prime rate and your credit worthiness, and the interest charge will be no less than fifty cents. The APR can be as low as 9.25%.

Balance Transfers. You can even transfer some of your existing credit card balances over to your new low interest credit cards and pay an extremely low APR of 1.99% for the first six months of card membership if you process the transfer during the first three months. After that, the purchase APR will apply.

Rewards. For every qualifying purchase you make, you will receive points. Once you are ready to redeem, you can choose from exclusive hotel stays, special gifts, and unique experiences. Rewards include recreational activities, electronics, home furnishings, personal items that you use everyday and travel. Plus, earn 2X, 3X or 4X ScoreMore™ Earn Bonus Points at participating retailers and in-store.

Perks. Aside from the low APR and special rewards, you can be eligible for card features such as travel accident coverage up to $1,000,000 and online account access. Now you can manage your account from anywhere at anytime - that way you are always in the know when it comes to your credit card.

Are you ready for a credit card that give your rewards and never charges you a high interest rate? If you answered yes, you should apply for the IberiaBank Visa® Platinum Rewards Card - it's everything that you've been looking for.
Updated: September-06-12
Most Attractive Feature(s) : Reasonably low APR for those who qualify; No annual fee.
Least Attractive Feature(s) : Limited benefits offered.
 
Note: The review on this card was updated on September-06-12. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Specifics
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Card Category: Reward - Other

Introductory Rate : 1.99% APR for 6 Billing Cycles

Applied Towards : Balance Transfers

Introductory Rate Details : Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
 

Annual Fee : $0

Additional Cardholders : $5

Annual Fee Details : Additional card fee is $5 per occurrence.

Grace Period : 25 Days

Minimum Credit Limit : $1,000

Maximum Credit Limit : $14,000

Late Payment Fee : Up to $35

Over-The-Limit Fee : None

Cash Advance Fee : 5% of the amount of the advance, but not less than $5.00, no more than $100.00

Balance Transfer Fee : 2% of the transfer amount

Reward Program Details
Points per Dollar : 1 Point

Additional Points : None

Point Details : Points are redeemable for hotel, gift or merchandise rewards.

Expiration : n/a

Yearly Limit : n/a

Bonus Points Other : Up to 18,000 bonus points

Bonus Points Details : Cardholders may earn up to 18,000 bonus points in the first year of account ownership. Earn Bonus Points - 2X, 3X, 4X or more at participating retailers online and in-store.

Perks / Notations

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

*This APR may vary with the market based on the Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the IberiaBank Visa® Platinum Rewards Card.

See other cards issued by IberiaBank
 

APR (Purchases) : 9.25%, 12.25%, or 15.25%*
The APR for purchases is based on the Prime Rate.

APR (Cash Advances) : 14.75%, 18.25%, or 21.25%*

The APR for cash advances is based on the Prime Rate.

Finance Configuration : Average Daily Balance (including new purchases)
 
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