IberiaBank Visa Platinum Rewards Card
issued by IberiaBank |
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Overall Rating
Benefit Rating
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Apply online for this card or
read on for a full review of all the features.
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 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
The IberiaBank Visa® Platinum Rewards Card, issued by IberiaBank, is ideal for those with very good credit who plan to take advantage of the rewards program offered.
Through the rewards program, cardholders earn one point per dollar spent on all purchases. Points are redeemable for merchandise, travel and gift certificates to participating restaurants and merchants. There is no annual fee for the ScoreCard® Bonus Points Program.
There is no annual fee and the interest rate for purchases is reasonably low for a reward card (for those who qualify). In addition, the card offers a 0% introductory rate on balance transfers submitted during the first three months for the first six months of membership.
Aside from the rewards program, cardholders can expect common benefits, such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and various online account services.
Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the rewards program will benefit most from what the IberiaBank Visa® Platinum Rewards Card has to offer.
Most Attractive Feature: Reasonably low APR for those who qualify; No annual fee.
Least Attractive Feature: Limited benefits offered.
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Note: The review of this IberiaBank card was updated on 10/02/2008 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Balance Transfers |
| Details: | The introductory rate is available on balance transfers submitted during the first three months. | | Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | 9.00% | | Cash Advance APR: | 13.00% | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 25 Days | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
| Over-the-Limit Fee: | $35 | | Cash Advance Fee: | 5%, $5 minimum, $100 maximum |
| Balance Transfers: | None |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Points Per Dollar: | 1 Point |
| | Points are redeemable for merchandise and travel awards. |
| Expiration: | n/a |
| Yearly Limit: | n/a |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various Internet account related services.
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Lost and stolen card reporting.
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Up to $1,000,000 in travel accident insurance.
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See website for additional benefits.
Important Notes Regarding This Offer
The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 4.00%, 5.00%, or 6.00% + Prime Rate.
The APR for cash advances varies according to the applicant\'s credit history and will be 8.00%, 9.00%, or 10.00% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
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