IBERIABANK Visa Gold Credit Card

The IBERIABANK Visa Gold credit card is a solid all round credit card providing unlimited cash back rewards, no annual membership fee, a low standard interest rate and a low introductory balance transfer rate. If you are looking for an everyday credit card you are not likely to find a better option. Below the credit card details we will look at how this Visa credit card compares in each of these areas.

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• No annual membership fee
• Earn 1% in cash back credit on all qualifying purchases
• Variable Rate APR ranging from Prime + 5.0% thru Prime + 11.0%
• Travel accident coverage up to $500,000
• No limit on cash back; no expiration date on eligibility for accounts in good standing
• 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.
• *See website for complete terms and conditions of card usage and application disclosure.
• *Terms and conditions apply

Cash Back Credit Card
As a cash back credit card, the IBERIABANK Visa Gold card provides the average of 1% on purchases however does not provide higher percentages in certain categories like other cards will. Some cards provide up to 5% in certain categories such as on grocery or gasoline purchases. However cards that provide higher percentages typically also impose limits on the amount of cash back rewards you are eligible to obtain each month which can be very limiting. Therefore if you are a heavy spender you will likely come out ahead with this card and it's unlimited cash back rewards than with a card that provides a higher percentage but imposes a limit. So how can you determine if you are a heavy spender? Most of the credit cards that impose limits set the limits to about $400 of spending in the category in a given month. Therefore if you spend more than this in a given month you are likely to come out ahead with the unlimited benefits of this card. Obviously the decision is not quite that easy as it depends on which categories you spend in, what the limits are and how much over the limit you spend each month.

Cash Back Rewards And Balance Transfer Offer
This is more than just a cash back credit card however. The IBERIABANK Visa Gold credit card also offers a solid balance transfer rate and more importantly a low balance transfer fee. The fee is a low 2% which is one of the better balance transfer fees in the industry. Many balance transfer credit cards are now charging fees of 5% or more. And the interest rate is one of the lower interest rate options. There is one drawback however. The introductory offer is only for 6 months. Although this is the average length for most offers, there are some cards that extend the offer up to 12 or 18 months. Normally companies that provide the longer durations will charge the higher balance transfer fees however so there is a trade off. The advantage this Visa balance transfer credit card has is the low standard interest rate. The standard rate on this card is one of the lowest in the industry so unless you plan on paying off your balance in full each month this is definitely a credit card worth considering.

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