IberiaBank Visa® Select Card Review

Issued by IberiaBank

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Credit Card Overall Rating

Benefit Rating:

Credit Card Benefit Rating

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The IberiaBank Visa® Select Card, issued by IberiaBank, is designed for those with excellent credit who may occasionally carry a balance.

This credit card offers an introductory rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on purchases, and a low introductory APR on balance transfers of 1.99% for the first 12 billing cycles. After the introductory period, the card offers a low, ongoing variable APR.

The IberiaBank Visa® Select Card is designed for individuals with excellent credit. Applicants are required to be employed by their current employer for a minimum of six months. Proof of income is also required from both the applicant and co-applicant in order to complete the application.

Although the IberiaBank Visa® Select Card does not offer a rewards program, it does offer access to common services and benefits, including online access to credit card information.

Therefore, those with excellent credit who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Select Card has to offer.

Review Date: July 16, 2010

Terms and Conditions

Note: The review on this card was updated on July 16, 2010. 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):	0.00% or 7.50% for 12 Months on Purchases
Intro Applied Towards:	Purchases
Additional Intro Details:	Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Purchase APR:	7.50% (Variable)
Cash APR:	12.75% (Variable)
Finance Configuration:	Average Daily Balance (including new purchases)

Credit Card Fee Details
Annual Fee:	$45
Annual Fee Details:	Some of the set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available.
Grace Period:	25 Days
Over the Limit Fee:	None
Cash Advance Fee:	Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $100)
Balance Transfer Fee:	None

Features
Most Attractive Feature(s):
Low ongoing variable rate APR after introductory period.
Least Attractive Feature(s):
No rewards program.
Additional Features:
See website for additional benefits.

Important Notations
See website for complete terms and conditions of card usage and application disclosure.

Additional Information
Apply Online for the IberiaBank Visa® Select Card from IberiaBank See other Regular Credit Cards See other Credit Cards Issued by IberiaBank See other Visa Credit Cards

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