Editor's Rating: 5/5
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
| Intro APR | Intro APR Period | Regular APR | Intro Bal. Transfer | Transfer Fee | Credit Needed |
| N/A | None | 7.25% - 13.25% Variable | 1.99% | 2% | Excellent |
Card Highlights
This card is best for consumers with excellent credit that tend to carry a balance.
Should you switch to IberiaBank Visa Classic?
This low rate card appeals to "Millionaire Next Door" consumers who loathe the idea of staying in debt but recognize the need to carry a credit card. If your credit score's strong enough to actually qualify for this card, you're probably better off earning rebates with IberiaBank's cash back cards, or with a rewards credit card from a larger bank. On the other hand, if you're just looking for solid customer service and one of the lowest possible variable interest rates in the United States, send your application to these friendly folks just south of I-10.
Rebate Description N/A
| Card Issued By: | Iberia Bank |
| Card Type: | Visa |
| Card Category: | Low Intro Rate, Low Interest, Low Ongoing Rate |
| Card Class: | Signature |
| Maximum Credit Line: | N/A |
| How to Apply: | Online Application Form - Click to Apply |
| General Correspondence Address: |
PO Box 7500 Little Rock,AR 72217-7500 |
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"As comprehensive a list as you'll find of all the credit card offers on the table now."
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