 |
  |
|
|
|
|
IberiaBank Visa® Gold Cash Back Rewards Card Review
Issued by IberiaBank
  
|
Overall Rating:
Benefit Rating:
|
|
The IberiaBank Visa® Gold Cash Back Rewards Card, issued by Pulaski Bank, is designed for those with good credit who would like to take advantage of the cash reward program.
Through the rewards program, cardholders earn a 1% cash rebate per dollar spent on all 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 reward card (for those who qualify). Plus, the card offers a 0% 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.
Through the rewards program, cardholders earn a 1% cash rebate per dollar spent on all 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 reward card (for those who qualify). Plus, the card offers a 0% 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.
Review Date: September 03, 2008
Note: The review on this card was updated on September 03, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
|
0% APR for 6 Months |
|
Intro Applied Towards:
|
Balance Transfers |
|
Additional Intro Details:
|
The introductory rate is available on balance transfers submitted during the first three months. |
|
Purchase APR:
|
9.00% (Variable) The APR for purchases is based on the Prime Rate. |
|
Cash APR:
|
13.00% (Variable) The APR for cash advances is based on the Prime Rate. There is a minimum APR on cash advances. |
|
Finance Configuration:
|
Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
|
Annual Fee:
|
$0 |
|
Additional Cardholders:
|
$0 |
|
Grace Period:
|
25 Days |
|
Late Payment Fee:
|
$15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
|
Over the Limit Fee:
|
$35 |
|
Cash Advance Fee:
|
5%, $5 minimum, $100 maximum |
|
Balance Transfer Fee:
|
None |
| Credit Card Reward Program Details (Rebate) | |
|
Rebate Minimum:
|
1% |
|
Rebate Maximum:
|
1% |
|
Additional Rebates:
|
None |
|
Rebate Details:
|
Earn a 1% rebate per dollar spent on general purchases. |
|
Expiration:
|
None |
|
Yearly Limit:
|
None |
| Features | |
|
Most Attractive Feature(s):
|
|
| Low APR for those who qualify; No yearly limit or expiration on rebates. | |
|
Least Attractive Feature(s):
|
|
| Minimal benefits offered. | |
|
Additional Features:
|
|
| Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. See website for additional benefits. |
|
|
Important Notations
|
|
| The APR for purchases and balance transfers varies according to the applicant's credit history and will be 4.00%, 5.00%, or 6.00% + Prime Rate. The APR for cash advances varies according to the applicant's credit history and will be 8.00%, 9.00%, or 10.00% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure. | |
