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Iberiabank Visa Select Card

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Highlights

  • New cardholders with excellent credit will receive a 0% APR on purchases for one year, although less qualified applicants will only receive a purchase APR of 7.5%.
  • Cardholders will receive an introductory finance rate of 1.99% for one year on balance transfers, with a 2% balance transfer fee. Subsequently, cardholders will incur interest at the standard rate for purchases.
  • Customers will be assigned a standard APR based on their credit worthiness. Those with excellent credit will receive a variable rate equal to the Prime Rate plus 4.25%. Less qualified applicants will receive an APR equal to the Prime plus 6.25% or 8.25%.
  • No Annual Fee

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0.00% - 7.50%, based on credit worthiness 7.50%, 9.50% or 11.50% $35 12 months
  • Purchase Intro Period: 12 months
  • Balance Transfer Intro Rate: 1.99% - 7.5%, based on credit worthiness
  • Balance Transfer Rate: 7.50%, 9.50% or 11.50%
  • Cash Advance Rate: 12.75%, 14.75% or 16.75%
  • Late Fee: Up to $35
  • Cash advance Fee: 5% (minimum fee $5, maximum $100)
  • Balance Transfer Fee: 3% of each transaction
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Iberiabank Visa Select Card Review

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