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The IberiaBank Visa® Gold Cash Back Rewards Card, issued by Pulaski Bank, is designed for those with good credit who would like to take advantage of the cash reward program.

Through the rewards program, cardholders earn a 1% cash rebate per dollar spent on all purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account.

The card has no annual fee and the interest rate for purchases is reasonably low for a reward card (for those who qualify). Plus, the card offers a 0% introductory rate on balance transfers submitted during the first three months for the first six months of membership.

In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 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 cash rebate program will benefit most from what the IberiaBank Visa® Gold Cash Back Rewards Card has to offer.

Type of card: Personal

Introductory apr rate description: 0% APR for 6 Months

Introductory apr months: 6

Purchases apr rate: $9.00

Cash apr rate: $13.00

Fee: $0.00

Max reward: 1%

Best: Low APR for those who qualify; No yearly limit or expiration on rebates.

Worst: Minimal benefits offered.

Perks: Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. See website for additional benefits.

Notations: The APR for purchases and balance transfers varies according to the applicant's credit history and will be 4.00%, 5.00%, or 6.00% + Prime Rate. The APR for cash advances varies according to the applicant's credit history and will be 8.00%, 9.00%, or 10.00% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• Earn 1% in Cash Back Credit on All Qualifying Purchases
• No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
• Travel Accident Coverage Up to $500,000
• No Annual Membership Fee
• 0% Introductory APR on Balance Transfers for Your 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 Account Information