Iberiabank Visa Platinum - Card details and review

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Apply online for Iberiabank Visa<sup>®</sup> Platinum

Iberiabank Visa^® Platinum
This card is best for consumers with excellent credit that might occasionally need to carry a balance, but would still like to earn rewards.

Intro APR

Regular APR
9.25 - 15.25%

Intro APR Period
None

Credit Score
Excellent

Card Category
Low Intro Rate, Reward

CardRatings

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Credit Type

Required Score

Excellent Credit

750 — 850

Good Credit

690 — 749

Fair Credit

640 — 689

Poor Credit

Poor

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Credit Card Review

by Card Expert Curtis Arnold

This card offers up to 17,000 bonus points in the first year of account ownership. An initial bonus of 5,000 points will be awarded with your first purchase and an additional bonus of 1,000 each month purchases of $250.00 or more are made in the first 12 months of account ownership. 1 bonus point for every $1 in qualifying net retail purchases will be earned outside of the initial bonus offer. Rewards can be redeemed with as little as 700 bonus points. The low APR applies to balance transfers processed within three months of your account open date. After that, the APR will be the same as your assigned purchase rate and based on your credit worthiness. There is travel accident coverage up to $1,000,000 and there is no annual fee. APR can be well below average for a rewards card with qualifying credit. There is also a low introductory purchase rate.

Iberiabank Visa^® Platinum Details

Card Issued By:

IberiaBank

General Correspondence Address:

PO Box 7500 Little Rock AR 72217-7500

Card Type:

Visa

Card Class:

Platinum

Card Category:

Low Intro Rate, Reward

States Available In:

ALL

Minimum Credit Limit:

Maximum Credit Limit:

N/A

Credit Limit Notes:

Credit Card Rate Information

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

6 - 12

06.00 - 12.00

11.50-19.50

Standard APR:

9.25 - 15.25%

9.25% - 15.25% Variable

14.75% - 21.25% Variable

Standard APR Floor:

None

Introductory Rate:

1.99%

N/A

Introductory Period:

None

6 months

None

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

Default/Penalty APR:

None.

Default/Penalty Margin:

Default/Penalty APR Floor:

None

Maximum Default APR:

N/A

Penalty/Default Trigger:

N/A

Credit Card Fee Information

Annual Fee:

None

Foreign Transaction Fee:

Late Fee:

Up to $35 max.

Over-the-limit Fee:

None

Balance Transfer Fee:

2% fee

Cash Advance Fee:

5% ($5 min. - $100 max.)

Rebates/Notes

Rebate Description:

N/A

Special Notes:

Earn up to 17,000 bonus points in the first year of account ownership. Low ongoing variable interest rate and 0% introductory balance transfer APR. ScoreMore, a new feature of ScoreCard Rewards, allows customers to ScoreMore with Bonus Points - 2X, 3X, 4X or more at participating retailers online and in-store.