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IberiaBank Visa® Gold Cash Back Rewards Card
Issued by IberiaBank
Overall Rating

Benefit Rating

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Review
The IberiaBank Visa® Gold Cash Back Rewards Card issued by IberiaBank is a cash rewards credit card that gives members a low variable rate. The APR will be determined by creditworthiness and will vary based on market conditions.

Balance transfers with this no annual fee card that you enact within the first three months of opening your account will enjoy an even lower APR of 1.99% as an introductory rate for the first 6 billing cycles. This lower rate will be fixed, and won't change during your introductory period.

Qualifying purchases earn you cash back rewards - specifically, a 1% cash back credit. There is also no limit on cash back credits and no expiration date on eligibility, provided your account remains in good standing.

It also gives you confidence and purchase power: In the event that something unplanned or unfortunate occurs, as a cardholder you're covered with travel accident coverage up to $500,000.

Keeping track of your credit card account is also easy, as the IberiaBank Visa® Gold Cash Back Rewards Card provides safe, convenient online access to your credit card account information.

Whether you're a frequent traveler, or simply just searching for a great benefit filled credit card, adding the IberiaBank Visa® Gold Cash Back Rewards Card to your financial portfolio means having a card that you can use anywhere that Visa is accepted.
Updated: March-29-12
Most Attractive Feature(s) : Low APR for those who qualify; No yearly limit or expiration on rebates.
Least Attractive Feature(s) : Minimal benefits offered.
 
Note: The review on this card was updated on March-29-12. 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 - Cash

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 the 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

Rebate Minimum : 1%

Rebate Maximum : 1%

Additional Rebates : None

Rebate Details : Earn 1% in Cash Back Credits for every $1.00 of qualifying credit card purchases

Expiration : None

Yearly Limit : None

Perks / Notations

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

*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® Gold Cash Back 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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