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IBERIABANK Visa® Platinum Card

Offered by: IBERIABANK

13 comments | Comment on this offer

Details

Purchase Intro Rate	N/A
Purchase Intro Period	N/A
Balance Transfer Intro Rate	1.99%
Balance Transfer Intro Period	6 Billing Cycles
Regular APR	See Terms
Balance Transfer Rate	See Terms
Cash Advance Rate	See Terms
Annual Fee	None
Late Fee	See Terms*
Cash Advance Fee	See Terms*
Balance Transfer Fee	See Terms*

IBERIABANK Visa® Platinum Card features:

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory ARP 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.
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
Online access to credit card account information

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

13 Total Comments

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If you go to the website to apply, the terms read "Transaction Fee for Balance Transfers: 2%"

bcallahan85 1 year ago

what credit score does it require you to have?

LARJAM 1 year ago

Need not apply without EXCELLENT CREDit rating. Per their website:

IMPORTANT INFORMATION REGARDING

IBERIABANK CREDIT CARD APPLICATIONS

(Applies to Visa Select, Visa Classic, Visa Gold, and Visa Platinum Products)

Requirements include, but are not limited to:

Minimum 6 months length of employment with current employer

Please consider credit status when applying — Excellent Credit Required (As a minimum guideline, Excellent Credit may refer to a credit history free of derogatory information, including current or past delinquency, bankruptcy, and/or collections )

Verification of information provided by applicant will be performed; additional documentation may be required.

ggrandovic 9 months ago

I actually bank with Iberia Bank and was denied because as ggrandovic mentioned you have to have perfect credit.

Godsfavor 9 months ago

Credit Karma should round up the cards that have no data for highest and lowest approval scores and set them up in their own section. I'd like to say that's unbelieveable that your own bank won't give you a chance..... but some banks were like that before the credit crisis. I'm sorry they shut you out like that.

annoneil01 6 months ago

my currently score is 685 but all payment has been on time. does this require above 685 score?

cusick2007 6 months ago

If you have to have perfect credit (& by the way what number would that be?), why would Credit Karma recommend this card?

sarasue56 6 months ago

there IS an annual fee I see

sallebay 4 months ago

How quickly should I expect to hear about my application? I applied several days ago and got no confirmation email or any other info. I realize this might mean they're going to just send me a rejection notice in the mail... but how long should I wait before trying an application for another (lower barrier-to-entry) card?

cordeliaflyt 4 months ago

Thank you for all of you comments! i was going to apply - based on creditkarma's recommmendation - but if it is just to set me up for rejection (based on PERECTcredit!) then why bother? I also don't want another "hit" on my credit record!

THnaks- MJ

ffcprez 4 months ago

Hi All,

I have a question, if my credit score it 719 would I be able to get approved for the credit card CreditOkarma is offering? cause like other said on their comments, If I am not going to get approved then I dont want it on my record in order words whats the point. thanks

khanw 4 months ago