- Minimum Credit Required: Excellent
- Annual Fee:None
- Network: VISA
|Intro Rate Not Offered||Intro Period N/A||Regular Rate 7.25% - 13.25% (V)|
|Intro Rate1.99%||Intro Period6 months||Regular Rate7.25% - 13.25% (V)||Balance Transfer Fee 2%|
|Cash Advance Rate 12.75% - 19.25% (V)||Cash Advance Fee 5% (min $5)|
- Low variable rate of 7.25%, 10.25%, or 13.25% based on your credit worthiness.
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles.
- Excellent Credit is required in order to get approved. As a minimum guideline, Excellent Credit may refer to a credit history free of derogatory information, including current or past delinquency, bankruptcy, and/or collections.
- Proof of Income is required on both the applicant and co-applicant (if applicable) to complete an application.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: None
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: 2%
If you currently have the IberiaBank Visa® Classic Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Anonymous User:
I love this IberiaBank Visa Classic Credit Card. I've never had any problems with it not being accepted or freezing up like some of the cards my friends have had. I got it in college so I could get housing and books. It has the advantage of a low interest rate(compared to others) so you don't pay twice what your purchase was worth and Iberia Bank is very easy to work with which, being in college, is a major plus. I try to pay off my balance every month and so far I haven't had any problems with fees or changing interest rates. I would recommend this card if you have good credit or are trying to build credit.
February 8, 2013 at 08:22pm
- Michael J Johnson:
IberiaBank Visa Classic Credit Card has one great thing about them! Well, more than one... but it starts with their amazing interest rates! You could not ask for a better interest rate than what this card has to offer. The IberiaBank Visa Classic Credit Card has amazing customer service. Amazing problem resolution! Amazing everything! I LOVE my IberiaBank Visa Classic Credit Card! They are truly the best card on the market. I have a great credit limit also. I think it's because I have great credit and that's why I get such a great rate and limit. I recommend this card to everyone who needs a card!
December 14, 2012 at 04:07pm
- James Jones:
The Iberia Bank Visa Classic Credit Card is one of the cards that most clearly shows how credit card companies operate and how people think. I applied for this card back when I was in college and I was trying to build up my credit. It's a good card overall. I didn't have credit back then and needed something to help me build my credit. This was my first choice because it looked good with no annual fee and credit limit of $500. The staff was pretty good towards me and helped me with application process. It has been easy to pay my bill online and customer service has been easy to deal with and they fix problems quickly. I have not found any issues with this card and have always experienced it as no hassle.I would recommend it for all.
November 1, 2012 at 03:44pm
- Stephen Samuels:
I received an application from Iberia Ban about 2 years ago for this credit card. Everything they said about it sounded great, although I will admit I had never heard of Iberia Bank before so I did some research on them first and found they have been in business for a long time and are trustworthy. I received the card and still have an open account but I never use it. Credit cards are very competitive these days and there is simply nothing that stands out on this card that would make me use it. I get better rewards, interest rates, and am more familiar with some of the other banks I have credit cards with so I find myself using them. With that said I've never had any issues with this card, it simply doesn't motivate me to use to.
October 4, 2012 at 01:54pm
- Anonymous User:
My Iberia Bank Visa card has a decent interest rate but its high enough that I try to pay it off completely every single month that I am able to. My interest rate on this card is somewhere around 10.5% because my credit score is high enough but I have heard that it is difficult to get this interest rate unless you've been with the bank for a long time and built up an extensive line of credit. Once, when I was travelling, I lost my IberiaBank Visa but I was able to contact my bank and they cancelled it immediately. I did not have to deal with the rest of the complications that go with a missing credit card, such as disputing false charges. Overall, I am very satisfied with my Iberia Bank Visa and I do not plan to change my credit card any time soon.
June 27, 2012 at 02:53pm
- Joe Weider:
The eye catching thing about the IberiaBank Visa Classic Credit Card is its 7.25% - 13.25% APR. But if you were drawn to this page because you heard about some Iberia Bank low interest credit card, you may be dismayed to know that actually getting this rate is harder than you’d thing. Not necessarily because of tough underwriting standards either (though you need excellent credit to get it) but instead simply because of all the hoops you have to jump through in applying. Just click apply now and see for yourself (That’s not a trick, you aren’t actually applying right away don’t worry). When you get to the IberiaBank landing page, there’s a whole page full of disclaimers and account terms, which is frankly kind of overwhelming. Only after you wade through it all and scroll all the way to the bottom of the page do you find the “apply” key. Hit it and you get taken to a page that says Step 1 (really!) and has a long form you need to fill out. Normal you might think, but it’s not. Iberia asks for more information than most other credit card companies (including proof of employment AND a paystub) because they say it’s necessary to being able to offer such low rates. Problem with that is the best consumers won’t bother with all of the hassle that comes along with applying for the Iberia Bank Classic Credit Card because they have too many other options for it to be worth it. They’ll probably leave by this point and apply for one of the citicards offering 0% for 21 months. The only people who would put up with all the hassle are those with few other options and they wont be able to qualify. IberiaBank seems to be shooting itself in the foot a little bit with their website design and application requirements, but that’s not my problem and it shouldn’t be yours either. Let’s explore some other options then. There are three credit cards from Citi that offer 0% for 21 months (Platinum Select, Diamond Select and Simplicity). Those would be the best choices for people looking for the lowest possible rates. In terms of rewards, it depends on whther you travel, with whom, what else you spend money on, etc., etc. Some notable offers to check out though are the Chase Sapphire Preferred which offers $625 as an initial bonus and has points that can be transferred to a number of airline and hotel rewards accounts for free. The Capital One Venture card offers rewards in miles, but basically acts as a 2% cash back credit card when theyre redeemed for anything travel related. The Capital One Cash Credit Card offers 1.5% cash abck across all purchases. Any of these cards would be better and far less hassle than the IberiaBank Classic Credit Card.
January 6, 2012 at 05:28pm
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the IberiaBank Visa® Classic Credit Card shown on this page.
The card information shown on this page was last updated: May 24th, 2013 at 9:37 EDT
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