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IBERIABANK Visa® Platinum CardQuick Summary:
This is a Visa travel rewards card, where you can expect travel or even airmiles earned for purchases made. This card is issued by IberiaBank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 8.25*% Variable - 14.25*% Variable and may be as high as 14.25%*, depending on your credit worthiness*.Important Rates:
There is a balance transfer offer APR as low as 1.99% 6 billing cycles*. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 4.00% to the U.S. prime rate.
There is no annual fee for this card.* Rewards:
This is a travel rewards card, where you can expect to earn rewards for leisure or travel. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a nearly perfect or flawless credit record. A FICO credit score of 825 is recommended for a higher chance of approval for the IBERIABANK Visa® Platinum Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the IBERIABANK Visa® Platinum Card is at least 25 days*. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 825, then your chance of approval may be greater than other applicants. Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details: - Variable Rate APR ranging from Prime + 5.00% thru Prime + 11.00% depending on creditworthiness and other factors
- Purchase and Cash Advance APR"s may vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- No annual membership fee
- Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- 25 day grace period
- Online access to credit card account information
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 8.25*% Variable - 14.25*% Variable | | Avg. APR | 12.49%** | | Annual Fee | $0* | | Avg. Annual Fee | $10.08** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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