<\/tr>


Intro Rate<\/td>	1.99% APR for 6 Months<\/td><\/tr>
APR<\/td>	9.25%, 12.25%, or 15.25%*<\/td>
Fee	$0<\/td>

IberiaBank Visa® Platinum Rewards Card - By IberiaBank

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

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Review

The IberiaBank Visa® Platinum Rewards Card, issued by IberiaBank, is ideal for those with very good credit who plan to take advantage of the rewards program offered.

Through the rewards program, cardholders earn one point per dollar spent on all qualifying purchases. Points are redeemable for merchandise, travel and gift certificates to participating restaurants and merchants. There is no annual fee for the ScoreCard® Bonus Points Program.

There is no annual fee and the interest rate for purchases is reasonably low for a reward card (for those who qualify). In addition, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.

Aside from the rewards program, cardholders can expect common benefits, such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and various online account services.

Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the rewards program will benefit most from what the IberiaBank Visa® Platinum Rewards Card has to offer.

Updated: Tuesday, July 14, 2009<\/span>
Most Attractive Feature(s): <\/span>Reasonably low APR for those who qualify; No annual fee.<\/span>

Least Attractive Feature(s): <\/span>Limited benefits offered.<\/span>Note: The review of this card was updated on 7/14/2009. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.<\/span>

Introductory Rate Offer:	1.99% APR for 6 Months
Intro Applied To:	Balance Transfers
Intro Details:	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.
APR for Purchases:	9.25%, 12.25%, or 15.25%*
APR for Cash Advances:	14.75%, 18.25%, or 21.25%*
Method of Computing Balance:	Average Daily Balance (including new purchases)
Annual Fee:	$0
Annual Fee for Additional Cardholders:
Grace Period:	25 Days
Late Payment Fee:	$15 if balance is less than $100; $29 if balance is $100.00 to $1,000; $35 if balance is more than $1,000
Over The Limit Fee:	None
Cash Advance Fee:	5%, $5 minimum, $100 maximum
Balance Transfer Fee:	2% of transfer amount
Minimum Credit Limit:	n/a
Maximum Credit Limit:	n/a

Type of Reward:	Point
Reward Expiration:	n/a
Reward Yearly Limit:	n/a
Points per Dollar Spent:	1 Point
Additional Points:	None
Point Details:	Points are redeemable for hotel, gift or experience rewards.
Additional Perks:	Various Internet account related services. Lost and stolen card reporting. Up to $1,000,000 in travel accident insurance. See website for additional benefits.

Category:	Reward - Other
Issuer:	IberiaBank
Card Status:	Platinum
Card Type:	Visa
Important Notations:	*This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

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