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IberiaBank Visa® Select Credit Card

iberiabank select credit card
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4 140 reviews   Write a Review
Existing Cardholders

IberiaBank Visa® Select Credit Card’s Rewards

This card does not offer rewards.

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

Intro Rate on Purchases
0% - 7.5% for 12 months
Intro Rate on Transfers
1.99% - 7.5% for 12 months
Regular Rate
7.5% - 11.5% (V)
  • ANNUAL FEE $35

IberiaBank Visa® Select Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   25 days
    12.75% - 16.75% (V)
    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.
  • 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.
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IberiaBank Visa® Select Credit Card Reviews

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Overall Rating: 3.9 / 5
Total Ratings: 140
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Feb 11, 2013
Photo of Anna O.
Feb 11, 2013
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 more
Dec 26, 2012
Photo of Traci C.
Dec 26, 2012
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 more
Oct 4, 2012
Photo of Shannon J.
Oct 4, 2012
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 more
Sep 14, 2012
Photo of Michael J.
Sep 14, 2012
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 more
Jun 21, 2012
Photo of John U.
Jun 21, 2012
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 more
Apr 11, 2012
Photo of Margie C.
Apr 11, 2012
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.


- Frankly, I’m having a tough time finding a true more
Jan 31, 2012
Photo of Joe W.
Jan 31, 2012
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 more
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+133 users submitted a rating without a full review
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Last updated on: Mar 27th, 2015 at 11:03 EDT