IberiaBank MasterCard®
Some of the lowest rates in the nation.
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Issuer: IberiaBank
If you're currently using a high interest rate card, you could save hundreds of dollars by switching to the IberiaBank MasterCard® that give you one of the lowest rates in the nation.
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
A variable APR will apply to balances attributable to cash advances and convenience checks:
8.25%, 9.25%, or 10.25% as of 04/01/07, depending on your creditworthiness.
Default APR: 22% on all balances**.
*Your ANNUAL PERCENTAGE RATE (APR) for balance transfers processed within three months of your account open date, will be zero percent (0%) for the first six billing periods from the posting date of the balance transfer check. When your six billing periods have expired, the regular purchase rate will apply.
**If at the end of a billing period your minimum payment from any preceding billing period remains due and unpaid, the APR will be billed at twenty two percent (22%) per annum (Monthly Periodic Rate of 1.8333333%), and will stay at that rate until the account is brought to a current status. In that event, any introductory/special rate on balance transfers will terminate. When the account is brought current, the regular purchase rate will apply.
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