- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
Introductory APR Info
Regular APR
Annual Fee
1.99% APR for 6 Months
9.25%, 12.25%, or 15.25%*
$0
Card Review
The IberiaBank Visa® Gold Cash Back Rewards Card, issued by IberiaBank, is designed for those with good credit who would like to take advantage of the cash rewards program.
Through the rewards program, cardholders earn a 1% cash back credit on all qualifying purchases.
There is no limit to the amount of rebates cardholders may earn, and rebates do not expire for the life of the account.
The card has no annual fee and the interest rate for purchases is reasonably low for a rewards card (for those who qualify).
Plus, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.
In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 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 cash rebate program will benefit most from what the IberiaBank Visa® Gold Cash Back Rewards Card has to offer.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
IberiaBank
Card Type
Visa
Card Status
Gold
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.
Grace Period
25 Days
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
n/app
Over 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 transfer amount
Application Fee
n/app
Rebate Minimum
1%
Rebate Maximum
1%
Additional Rebates
None
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
n/app
Point Details
n/app
Additional Points
n/app
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
None
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.