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IberiaBank Visa® Classic Credit Card

iberiabank credit card
Required Credit Score: Excellent
4 155 reviews   Write a Review!
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IberiaBank Visa® Classic Credit Card’s Rewards

This card does not offer rewards.

IberiaBank Visa® Classic Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
1.99% for 6 months
Regular Rate
7.25% - 13.25% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 2%

IberiaBank Visa® Classic Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 12.75% - 19.25% (V)
  • CASH ADVANCE FEE 5% (min $5)
  • FOREIGN TRANSACTION
    FEE  
    2%
  • 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. After that your assigned purchase rate will apply.
  • Auto Rental Collision Damage Waiver and Roadside Dispatch
  • Proof of Income is required on both the applicant and co-applicant (if applicable) to complete an application.
Apply Now
at Iberiabank’s
secure site
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IberiaBank Visa® Classic Credit Card Reviews

 
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Overall Rating: 4.0 / 5
Total Ratings: 155
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Nov 16, 2013
Photo of Leslie N.
5
By:
I love the rates especially since that’s why I signed up for the card. I was in the bank making a deposit when a teller expressed to me their rates. It just so happened that I was looking at credit card offers not long before. It also helps that the bank is close to my job so I can deposit money and pay my credit card bill all at one time, without having to do it online. That is an important factor to me because I’m leery of my personal information being stolen while I handle my banking online. This card is also good because with the Visa logo, it’s more
Feb 8, 2013
Photo of Ying F.
5
By:
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 more
Dec 14, 2012
Photo of Michael J.
5
By:
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!
Nov 1, 2012
Photo of Amir M.
5
By:
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 more
Oct 4, 2012
Photo of Stephen S.
3
By:
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 more
Jun 27, 2012
Photo of Maryetta M.
4
By:
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 more
Jan 6, 2012
Photo of Joe W.
2
By:
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 more
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+148 users submitted a rating without a full review
 
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Last updated on: Aug 31st, 2014 at 5:27 EDT