IberiaBank Visa® Classic Credit Card
Sponsored Card
- 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.
If you are interested in the IberiaBank Visa® Classic Credit Card, check out the following credit cards as well:
Compare the IberiaBank Visa® Classic Credit Card against other major online credit card offers.
IberiaBank Visa® Classic Credit Card is related to the following credit card categories:
- Unsecured VISA Credit Cards
- Low Interest Visa Credit Cards
- VISA MasterCard
- Visa Credit Cards for Excellent Credit
- Credit Cards for Excellent Credit
- No Annual Fee Credit Cards
- Credit Cards for Excellent Credit with No Annual Fee
- Low Interest Credit Cards for Excellent Credit
- Low Interest No Annual Fee Credit Cards
- VISA Card
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
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 23rd, 2012 at 3:33 EDT
The online credit card
application for this card uses
Secure SSL Technology
- ABOUT
CARD HUB® - About Us
- Media Resources
- Contact Us
- Site Map
- Search Directory
- TOOLS &
HELP - Credit Check
- Credit Card Debt
- Credit Card Help
- Education Center
- 3 WAYS TO A
BETTER CREDIT CARD - Compare All Credit Cards
- Best Credit Cards
- Credit Card Advisor
- CARD
CATEGORIES - Business Credit Cards
- Prepaid Cards
- Charge Cards
- Secured Credit Cards
- Student Credit Cards
- GIFT CARD
CENTER - Gift Cards
- Wish List
- Gift Card Exchange
- Sell Your Gift Cards
- POLICIES
& DISCLOSURES - Privacy
- Security
- Terms of Service
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.