When you are looking for a credit card, you want to choose one that is from a bank that has been around for a while. The IberiaBank has been around for about 123 years and it is a subsidiary of the IberiBank. Headquartered in Louisiana, it also serves Florida and Alabama.

The IberiaBank offers a Visa credit card – a Gold Cash Back Rewards Card. Because it is a Visa card, it enables you to use it worldwide – anywhere that a Visa card may be accepted.

What Are the Overall Benefits of the Gold Cash Back Rewards Card?

Every credit card has some benefits that make them attractive to potential card owners. Here are the main benefits of the IberiBank Visa Card.

Low credit card interest rates. When you apply for the IberiBank Visa Gold Cash Back Rewards Card, you will be assigned one of three interest rates. The interest rate you will be given will be based on your credit score. Currently the interest rates are 9.25%, 12.25%, and 15.25%. They are based on market values and may change.

Low interest rates on balance transfers. New card owners are given an interest rate of 1.99% on balance transfers for up to six billing cycles. This excellent interest rate applies only to those transfers that are made within the first three months of card ownership. After the Introductory Offer period, or for transfers made after three months, they will receive the same rate as the regular interest rate on the Visa Gold Card. There is a charge of two percent of the amount of the balance transfer.

What Are the Cash Back Benefits on the Gold Cash Back Rewards Card?

The primary benefit of this credit card is its cash back benefits. Here is what you get with this card.

One percent cash back on qualifying purchases. When you purchase items that qualify, you will earn a one percent cash rebate.

No limit on cash back amounts. When you make your purchases, you do not need to be concerned about hitting the limit on how much you can still purchase and get a cash back reward for. There is no ceiling and you can spend as much as you want – on the right type of items. As long as your account remains in good standing you can continue to get the same percentage of cash back on your purchases.

What Other Features of the IberiaBank Visa Gold Card Are There?

The Visa Gold Cash Back Rewards Card does not have any annual membership fee. This makes this card cost less than some others.

Members are given online access to their credit card account information. This enables you to do most everything that you need to know or do with your account. You can see your monthly statements and transactions, print them out, make payments, and see how much of a rebate is headed your way. The account also lets you contact the Bank for any issues or questions you may have.

Card owners are also given travel accident coverage when traveling out of the United States. This coverage is up to $500,000.

What Are the Basic Requirements for Obtaining the IberiaBank Gold Cash Back Card?

The IberiaBank has some definite requirements that applicants will need to be able to meet at the time they apply for an IberiaBank Visa Gold Cash Back Rewards Card. Here are some of them.

- Be with an employer for more than six months.

- You should have an excellent credit rating.

- Proof of income and verification of the information you provide will also be needed. You will be contacted for this information.