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IberiaBank Visa® Select Card
Issued by IberiaBank
Overall Rating

Benefit Rating

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Review
The IberiaBank Visa® Select Card is a low interest credit card that caters to shoppers interested in a credit card that does not charge high interest fees. The card offers low interest, a low annual fee, exciting promotions and first-class card perks.

Introductory Rate. During the first year of card membership, you may not have to pay interest on your purchases. Based on the creditworthiness of the cardholder, the interest can be from 0% to 7.50%.

Balance Transfers. For the first twelve months of having your card, you can enjoy an APR as low as 1.99% during the first 12 billing cycles. This special deal applies to balance transfers that are processed during the first three months of card membership.

Low APR. After the 12 month promotion, your APR can be as little as 7.50% based on your creditworthiness and the prime rate. This offer is exclusive to the IberiaBank Visa® Select Card.

Card Features. In addition to the low APR offers, the card includes product enhancements such as auto rental collision damage waivers, roadside dispatch and travel emergency services - that way you can travel without worry.

As a card member, you are entitled to access your account at anytime, and now you can with IberiaBank's online access features. The annual fee is as low as $35 - an incredible offer! Now you can avoid high interest fees and pay a low annual fee with the IberiaBank Visa® Select Card!
Updated: May-29-12
Most Attractive Feature(s) : Low ongoing variable rate APR after introductory period.
Least Attractive Feature(s) : No rewards program.
 
Note: The review on this card was updated on May-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: Regular

Introductory Rate : 0.00% or 7.50% for 12 Months on Purchases or 1.99% or 7.50% for 12 billing cycles on balance transfers

Applied Towards : Purchases, Balance Transfers

Introductory Rate Details : Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. Introductory Rate of 1.99% or 7.50% for 12 billing cycles for balance transfers.
 

Annual Fee : $35

Additional Cardholders : $5

Annual Fee Details : Low Annual Fee of $35.00

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% (minimum fee $5, maximum $100)

Balance Transfer Fee : 3% of the transfer amount

Perks / Notations

Additional Perks

See website for additional benefits.

Important Notations

See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the IberiaBank Visa® Select Card.

See other cards issued by IberiaBank
 

APR (Purchases) : 7.50%, 9.50% or 11.50%
The APR for purchases is based on the Prime Rate.

APR (Cash Advances) : 12.75%, 14.75% or 16.75%

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

Finance Configuration : Average Daily Balance (including new purchases)
 
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