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User Rating:

Credit Card Details:

IberiaBank Visa® Classic

Quick Summary:
This Visa offer is issued by Pulaski Bank. 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 6.25% and may be as high as 8.25%, depending on your credit worthiness*.

APR's:
There is an introductory APR as low as 0.00% for 6 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

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 3.00% to the U.S. prime rate.

Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 6.25% may be considered as a higher importance than rewards. Another consideration is that this offer does not have an annual fee.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 784 is recommended for a higher chance of approval for the IberiaBank Visa® Classic, 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® Classic 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 784, 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 + 3% thru Prime + 5%

Cash Advance Variable Rate APR ranging from Prime + 7% thru Prime + 9%

No annual membership fee

0% Introductory APR on balance transfers for the 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

Card Categories:

• Low Interest Credit Cards
• Balance Transfer Credit Cards
• Excellent Credit
• Good Credit
• IBERIA Bank Credit Cards
• Visa® Credit Cards

User Reviews: