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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.
Purchase Intro Purchase APR Bal. Transfer Intro Balance Transfer Fee Credit Needed
APR:
N/A
Period:
None
7.25%, 10.25%, or 13.25% Variable
APR:
1.99% After that your assigned purchase rate will apply.
Period:
6 billing periods
2% (of the transfer amount) Excellent
 
Editor's Notes

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

Rate Information
Finance Information
Fee Information
Card Details
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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