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The IberiaBank Visa® Classic Card, issued by Pulaski Bank, is designed for those with average credit who may occasionally carry a balance.

Although this card does not offer a rewards program, it does offer access to common services and benefits, including online account access and lost and stolen card reporting.

The card has no annual fee and offers a 0% introductory rate that can be applied towards balance transfers for the first six months. Once the introductory rate expires, the card offers a reasonably low interest rate for all transactions. This is a rare benefit, considering that the rate for cash advances is generally much higher than that of purchases.

Therefore, those who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Classic Card has to offer.

Type of card: Personal

Introductory apr rate description: 0% APR for 6 Months

Introductory apr months: 6

Purchases apr rate: $8.00

Cash apr rate: $12.00

Fee: $0.00

Best: 0% introductory offer; no annual fee.

Worst: No rewards program.

Perks: Various internet account services. Lost and stolen card reporting. See website for additional benefits.

Notations: The APR for purchases and balance transfers varies according to the applicant's credit history and will be 3.00%, 4.00%, or 5.00% + Prime Rate. The APR for cash advances varies according to the applicant's credit history and will be 7.00%, 8.00%, or 9.00% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• No Annual Membership Fee
• 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
• No Transaction Fee for Balance Transfers
• 25 Day Grace Period
• Online Access to Credit Card Information