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IberiaBank Visa® Gold Cash Back Rewards Card
Ongoing APR: As low as Prime + 4.00% (Currently 8.00%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Cash Advance APR: As low as Prime + 8.00% (Currently 12.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Grace Period: 25 Days
Reward Program: 1% Cashback
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Issuer: IberiaBank
SCORECARD® CASH BACK REWARDS:
Cardholder benefits for Gold Visa and Gold MasterCard cardholders include participation in IberiaBank's ScoreCard® Cash Back Rewards Program. Currently, eligible cardholders earn 1% in Cash Back Credits for every $1.00 of qualifying credit card purchases (net of items returned for credit). Cardholders receive an annual credit to their account balance equal to the Cash Back Credits accumulated. Participation in the Program is subject to Program Rules, which may be viewed on the website www.scorecardrewards.com (the "Program Website"). IberiaBank has the right to change the terms of the Cash Back Program or to cancel the Program at any time.
Card Highlights:
- Variable Rate APR ranging from Prime + 4% thru Prime + 6%
- Cash Advance Variable Rate APR ranging from Prime + 8% thru Prime + 10%
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- No transaction fee for balance transfers
- 25 Day grace period
- Online access to credit card account information
TRAVEL ACCIDENT INSURANCE:
Cardholder benefits for Gold cardholders include a $500,000 travel accident insurance policy. A description of the terms of coverage will be provided to eligible cardholders. IberiaBank has the right to change the terms or the amount of coverage or to cancel the policy at any time.
SOME FAQs:
HOW DO I ACCESS MY CREDIT CARD INFORMATION ONLINE?
If an account is established in your name online access will be available to review all your credit card information and make online payments.
WHAT ARE THE CREDIT LIMITS?
IberiaBank's credit limits are assigned based upon your application and credit information.
HOW LONG DOES IT TAKE TO PROCESS APPLICATIONS?
Due to an overwhelming response to IberiaBank's low rate card, it could take up to 30 days to process your application.
IS THERE A BALANCE TRANSFER FEE?
No, it is a free service. Upon approval, you can transfer your high-rate balances from other credit cards and start saving immediately. IberiaBank'll even provide free transfer checks with your approval letter.
HOW DO BALANCE TRANSFERS WORK?
Once you are approved for our credit card, you are sent a letter along with four balance transfer checks to be used like a personal check to pay off your other credit card companies, financial institutions or department stores.
See web site for complete terms & conditions
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