Iberia Bank Credit Cards
By Curtis Arnold updated on May 25, 2012

See why the financially savvy seek out top credit cards from Iberia Bank.  With more than 100 years of history standing behind it, Iberia Bank offers credit cards for the discerning individual. Its credit card offers generally feature low interest rates, low fees, enhanced features and even cash rewards. Read more about whether you are eligible for one of these top credit cards for people with excellent credit.

Who is Iberia Bank?

If you live in Alabama, Arkansas, Florida, Louisiana, Tennessee or Texas, you may already be familiar with Iberia Bank. In business for more than 124 years, Iberia Bank provides an array of financial services to individuals and businesses. The bank offers four different credit cards, each designed to meet different needs. If you are looking for the best credit card, be sure to check out Iberia Bank's credit cards. Iberia has a reputation for offering some of the lowest credit card interest rates and lowest fees to their customers. And you don't have to live in the Deep South to enjoy their benefits.

What sets Iberia Bank apart from other credit card companies?

In addition to offering low interest rates and low fees, Iberia Bank offers some credit cards with rewards programs and other benefits such as travel accident insurance, roadside assistance and travel emergency services.

• Visa Classic. If you tend to carry a balance from month to month or want to pay off your credit card debt, a low interest card would be best. The Iberia Visa Classic, a low interest credit card, charges just 1.99 percent APR for the first six months on balance transfers, followed by a low rate of 7.25 percent to 13.25 percent depending on your credit qualifications. This card has no annual fee.
• Platinum Visa. If you are likely to pay off your credit card bill each month, then you should be looking for the best rewards credit card. The Iberia Bank Platinum Visa pays you one point per dollar spent on qualifying purchases, and you can earn bonus points of two to four points per dollar or more when you use the credit card at a participating retailer online or in the store. While some rewards credit cards charge much higher interest rates, this Iberia credit card has an interest rate of 9.25 percent, 12.25 percent or 15.25 percent APR depending on your credit qualifications.
• Select Visa. If you plan to make a big expenditure in the next few months, you may want to apply for the Iberia Select Visa credit card, which charges as little as zero percent APR for the first 12 months on purchases. After that, you'll pay 7.5 percent, 9.5 percent or 11.5 percent APR on purchases, depending on your credit score. The annual fee is $35.
• Visa Gold. If you would like to earn cash back on your purchases rather than points to use toward other purchases, you should look for the best cash back rewards card. Iberia Bank's Visa Gold credit card pays you 1 percent cash back on all qualifying purchases along with the opportunity for extra rewards for purchases made at a participating retailer online or in the store. You will pay just 9.25 percent to 15.25 percent APR, depending on your credit qualifications. If you want to transfer a balance to this credit card, it costs just 2 percent of the total balance and you will pay 1.99 percent APR for the first six months. There is no annual fee.

Can I apply for a credit card from Iberia Bank?

You don't need to live in the deep south to have an Iberia Bank credit card, but you should have a great credit history. The bank advises on its website that excellent credit is required for one of its credit cards. In addition, credit card applications may require three forms of supporting documentation:

1. Six months employment history with current employer
2. Verification of income, identity and credit status
3. Proof of income from any co-applicants

Where do I find the Iberia Bank credit card application?

Applying for an Iberia Bank credit card can be done from the comfort of your own home. Iberia Bank credit card applications are available online and may be accessed 24/7. Before you apply for a credit card, make sure you do your research. Iberia Bank offers several cards and each has its own perks and advantages. Make sure you understand the credit card interest rates, fees and limits. Checking out credit card reviews is a good way to start your search for the best credit cards.