IberiaBank Visa® Gold Cash Back Rewards Card

Our Rating: Intro APR: 1.99% Intro Period: 6 Months Annual Fee: $0 Setup Fee: $0 APR: 9.75%-16.25%* Terms and Conditions

Key Features Earn 1% in Cash Back credits 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 Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date. 25 Day Grace Period Online Access to Credit Card Account Information Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors. APPLY NOW

Back when credit card programs were young, the Gold cards dominated the scene. But now with all of the other programs and offerings, these cards tend to get lost in the din of financial institutions intent on pushing their higher offerings to attract customers. The question is often asked as to why there is one available.

IberiaBank prides itself on customer service and support, and in so doing, realizes the need for a card of this type. You do not get to be 121 years old in the financial markets by refusing to listen to your customers. They know that not everyone has the same needs in a credit card, hence the IberiaBank Visa Gold Cash Back Rewards Card.

Cardholders earn a 1% cash rebate per dollar spent on all purchases in this rewards program. The amounts of the rebates are unlimited and they do not expire as long as the account is in good standing. These rebates can then in turn be used for merchandise, travel and gift certificates at participating restaurants and merchants who are enrolled in this program.

There is no annual fee and the interest rate is reasonably low for a reward card in this category. Not only that, but the card has a 0% introductory rate on balance transfers which are submitted during the first three months for the first six months of membership.

The other normal benefits of a Gold card membership apply: up to $500,000.00 in travel accident insurance, lost and stolen card reporting and online account access and management services.

If you long for the days of a Gold card, this one is for you. Not necessarily for the frequent flyer, but for those who want to use a credit card rewards program to help them save money on items that they know they will be needing in the near future

Review Date: 12/19/2008