- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
Introductory APR Info
Regular APR
Annual Fee
0.00% or 7.50% for 12 Months on Purchases
7.50%
$45
Card Review
The IberiaBank Visa® Select Card, issued by IberiaBank, is designed for those with excellent credit who may occasionally carry a balance.
This credit card offers an introductory rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on purchases, and a low introductory APR on balance transfers of 1.99% for the first 12 billing cycles.
After the introductory period, the card offers a low, ongoing variable APR.
The IberiaBank Visa® Select Card is designed for individuals with excellent credit.
Applicants are required to be employed by their current employer for a minimum of six months.
Proof of income is also required from both the applicant and co-applicant in order to complete the application.
Although the IberiaBank Visa® Select Card does not offer a rewards program, it does offer access to common services and benefits, including online access to credit card information.
Therefore, those with excellent credit who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Select Card has to offer.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
IberiaBank
Card Type
Visa
Card Status
Standard
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
Grace Period
25 Days
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
n/app
Over Limit Fee
None
Cash Advance Fee
Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $100)
Balance Transfer Fee
None
Application Fee
n/app
Rebate Minimum
n/app
Rebate Maximum
n/app
Additional Rebates
n/app
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
n/app
Point Details
n/app
Additional Points
n/app
Approval Bonus
n/app
First Purchase Bonus
n/app
Balance Transfer Bonus
n/app
Other Bonus
n/app
Bonus Details
n/app
Additional Perks
See website for additional benefits.
