IberiaBank Visa® Gold Cash Back Rewards Card
The IberiaBank Visa® Gold Cash Back Rewards Card, issued by IberiaBank, is designed for those with good credit who would like to take advantage of the cash reward program.
Through the rewards program, cardholders earn 1% in cash back credit on all qualifying purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account.
The card has no annual fee and the interest rate for purchases is reasonably low for a rewards card (for those who qualify). Plus, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.
In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 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 cash rebate program will benefit most from what the IberiaBank Visa® Gold Cash Back Rewards Card has to offer.
IberiaBank Visa® Gold Cash Back Rewards Card
| Name of Card | IberiaBank Visa® Gold Cash Back Rewards Card |
| Card Issuer | IberiaBank |
| Card Category | Reward - Cash |
| Card Status/Type | Gold / Visa |
| Credit Rating Needed | Good, Very Good |
| Best Feature(s) | Low APR for those who qualify; No yearly limit or expiration on rebates. |
| Minimum Credit Limit | n/a |
| Maximum Credit Limit | n/a |
| Introductory APR | 1.99% |
| Introductory Offer | 1.99% APR for 6 Months |
| Additional Details | Introductory APR 6 billing cycles from the date of the balance transfer check. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Regular APR | 9.25, 12.25%, or 15.25%* |
| Cash Advance APR | 14.75%, 18.25%, or 21.25%* |
| Grace Period | 25 Days |
| Annual Fee | $0 |
| Late Fee | $15 if balance is less than $100; $29 if balance is $100.00 to $1,000; $35 if balance is more than $1,000 |
| Over Credit Limit Fee | None |
| Cash Advance Fee | 5%, $5 minimum, $100 maximum |
| Balance Transfer Fee | 2% of transfer amount |
| Reward Type | Rebate |
| Reward Expiration | None |
| Reward Annual Limit | None |
| Cash Rebate Details | Earn 1% in cash back credit on all qualifying purchases. |
| Minimum Cash Rebate | 1% |
| Maximum Cash Rebate | 1% |
| Additional Cash Rebates | None |
| Additional Perks | Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. See website for additional benefits. |
| Editor’s Notations | *This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure. |
| Last Updated | Jan 10 2012 12:00AM |
