IberiaBank Visa® Select Credit Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:$35
- Network: VISA
| Intro Rate 0% - 7.50% |
Intro Period 12 months |
Regular Rate 7.5% - 11.5% (V) |
| Intro Rate1.99% - 7.5% | Intro Period12 months | Regular Rate7.5% - 11.5% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 12.75% - 16.75% (V) |
Cash Advance Fee 5% (min $5) |
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases.
- Low Introductory APR on Balance Transfers of 1.99 or 7.50% for the first 12 billing cycles.
- Low Ongoing Variable Rate APR after introductory period on both purchases and balance transfers of 7.50%, 9.50%, or 11.50% based on your creditworthiness.
- 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: 3%
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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I applied for the Iberia Bank card after reading a lot of positive reviews online. My old card was one I'd had since I was 18, and now that I've built up credit, I wanted to get a card that had a lower interest rate. My initial rate with Iberia's card was 4%; I've had them now for two years, and it's dropped to 2.5%. When I first got the card, I transferred my balance from the old card because there was no fee for it for new users, but they do charge normally. Overall it's a good card- there is an annual fee for $35, but it's pretty fair compared to other cards. I did have to send them proof of income, which I didn't like, but the intro APR was good, so in the long run it was worth it. They are pretty basic- not a lot of incentives programs or cash back benefits, which I do miss about my old card. I'm debating applying for a back up card that has better benefits, and just using the Iberia for long-term pay off purchases. Customer service is fair, though they do make you sit through a lot of automated stuff before you actually get a person.
February 11, 2013 at 03:38pm
I just got this card about a month ago, because my credit was too terrible until recently for me to be able to qualify for it. It took my paying off the large percentage of my debt and fixing my credit score to qualify for this card. I have to say that so far, I am completely satisfied with it. I just got my first statement in the mail not long ago and looking over the bill, the rates aren't bad at all. There are no unnecessary charges and nothing for me to question, everything is laid out so that it's easy to understand. The low annual fee is a nice perk, I'm sure when the year rolls around and I only need to pay $35, it'll be great. It's really hard to qualify for this card unless you have great credit, but if you do and you can qualify, I highly recommend it!
December 26, 2012 at 07:34pm
IberiaBank Visa Select Credit Card is definately one of my favorites! Easy to deal with customer service. I lost my card a while back and within a few days of reporting it they had cancelled the old one and sent me a new one. No questions, fees, or hassles. Simple, Simple, Simple. That's what I look for in a card. I do all my statement and credit card stuff online and paying my bill every month is a breeze. I will say that you have to have GREAT credit to get this card. Which in our economy is not that easy. The annual fee of $35.00 is decent. No complaints coming from my end. Thanks IberiaBank Visa Select Credit Card for making my everyday life a little easier. :)
October 4, 2012 at 01:31pm
I have been using IberiaBank Visa Select Credit Card for only a little over a year now. The interest rates are better than most other cards which makes it one of my favorites. There is only a small annual fee making it a easy to understand no hassle credit card. I do online statements to save the environment, and paying online is super easy. I love super easy.. you get the statement in your email, click on the link, and boom... make your payment. I believe you would have to have good credit to get this card at low interest rates. They don't just give a card to anybody. You have to deserve this card. They have always been kind and efficient when dealing I have had to deal with customer service.
September 14, 2012 at 02:27pm
I have been using the IberiaBank Visa® Select Credit Card for almost 3 years now and I must say the main draw of the card for me was the super low fixed interest rate. When I started with this card it was at 6%, now it sits at 7.9%. Other than the annual fee, it is a no frills card that offers everything I need. My goal is to pay off my debt in the next few years and this is the best card I have had to not encourage me to go into more debt. It does not have any reward programs, airline miles of any sort, or cash back options; just the super low rate. I will admit many card companies pre-qualify you for their cards, it is not the case with Iberia Bank. You must go through a pretty lengthy screening process and analysis of your personal income to get the rate. This was the only drawback. It is usually not that hard to get a credit card, because most companies just hand them out with higher rates, but Iberia seems to foster a low rate as a reward for fiscal conservatism and good credit. Overall, I highly recommend this card to anyone seeking a low rate and a fast exit from the burden of debt.
June 21, 2012 at 06:40pm
So what is it; do you have a big purchase coming up or are you trying to lower the cost of existing debt? I mean, those are the two main reasons to look into a card like the IberiaBank Visa Select Credit Card that doesn’t offer any rewards but has low(ish) interest rates. The IberiaBank Visa Select Card requires excellent credit for approval after all, which means you’d be wasting a lot of potential rewards value using it for everyday spending. With this in mind, let’s take a gander at what I see as being the IberiaBank Visa’s pros and cons. Pros - Frankly, I’m having a tough time finding a true pro in regards to the Visa Select Card from Iberia Bank. Cons - 0% intro APR on purchases: You might be thinking that this should definitely be a pro as it’s the most appealing part of the Iberia Vis Select Card offer, but there are a couple of problems with this low interest introductory term. First of all, this intro rate is available for 0-12 months depending on your credit standing, and I typically prefer to know exactly what I’m getting from my credit cards. This is especially true when there are cards out there that definitively offer 0% on purchases for 18 months (Citi Simplicity, Diamond Preferred, and Platinum Select). - $35 annual fee: When youre trying to save on interest you don’t want to waste money on an annual fee, especially when the cards with the longest 0% terms on the market don’t charge annual fees. - 1.99% - 7.5% intro rate on balance transfers: You already know how I feel about credit card terms expressed in range form, and you can get 0% on transfers for 15 months with the Slate Card from Chase. - 3% balance transfer fee: The Slate Card doesn’t charge any balance transfer fee either. So the Iberia Bank Visa Select Credit Card got 4 cons and 0 pros in my book. Needless to say there are better options out there, namely any of the 0% Citicards if you want to avoid interest on a purchase thatll take you a while to pay off and a No Balance Transfer Slate Card from Chase if you want to transfer a balance. If you want rewards, there are a number of good cards including the Chase Sapphire Preferred, Capital One Venture and Amex Blue Cash Preferred.
April 11, 2012 at 05:03pm
For some reason, Iberia Bank sounds like it’d be in the tundra somewhere. At any rate, this IberiaBank Visa Select Credit Card is one of the credit card offers only available to people with excellent credit, so why don’t we see whether it’s truly worthy of this requirement. The first thing you should notice about the IberiaBank Visa Select Card is that it charges a $35 annual fee. Now, this is not unuasual for credit cards for excellent credit, as better rewards or longer 0% introductory rates often necessitate paying a fee. It simply means that if this card does not offer exceptional rates or rewards, it obviously will not be worth applying for. Without further ado, the Iberia Bank Visa does not offer any rewards but does provide a 0% intro rate on purchases for up to 12 months and a 1.99% - 7.5% intro rate on balance transfers for 12 months. Considering that there are cards out there that offer 0% on both purchases and transfers for 21 months, the Iberia Bank Visa Select Card does not pass muster. Alternatives are therefore in order, and which are right for you depends on your objective. If you want rewards, two of my personal favorite cards are the Capital One Venture Card and the Chase Sapphire Preferred Card. If you want 0% on either new purchases or transfers, there are three Citicards (i.e. Simplicity, Diamond Preferred, and Platinum Select) that offer such rates for 21 months. If you want a card that offers rewards as well as a 0% rate on new purchases (so you can keep would be payments in the bank for longer and thereby earn rewards and the good kind of interest on new purchases), go with the Discover More Card. You will be able to qualify for any of these cards if you have excellent credit and all would be more beneficial to you than the Visa Select IberiaBank Credit Card.
January 31, 2012 at 07:43pm