Here is a low rate credit card with cash back rewards. There are no limits on the cash back and no expiration date on eligibility for accounts in good standing. There is travel accident insurance and no annual membership fee. There is also a low introductory balance transfer rate. Downside: Rewards are not as aggressive as many other cards. Excellent credit rating required. Candidate must have a minimum 6 months employment with current employer. Verification and proof of income required for both applicant and joint applicant.
Highlights: Iberiabank Visa® Gold
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- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) 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 than $0.50).
- Low Introductory APR on Balance Transfers of 1.99% for the first 6 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. This APR will vary with the market based on the Prime Rate.
1.99% After that your assigned purchase rate will apply.
6 billing cycles
2% (of the transfer amount)
9.25%, 12.25% or 15.25% Variable Purchase APR