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BCCA Credit Card Selector provides links to Bank One/Chase Credit Cards credit card applications and finance sources online. You can use the navigation links on the left to jump directly to the type of credit card applications you are interested in. Browse through the Bank One/Chase Credit Cards.

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IberiaBank Visa Gold Cash Back Rewards Card

IberiaBank Visa Gold Cash Back Rewards Card

Credit required to obtain this credit card: Good credit required.

Annual Percentage Rate for Purchases.
A variable APR will apply to balances attributable to purchases:
9.75%, 13.25%, or 16.25% as of 6/1/09, depending on your creditworthiness.

Annual Percentage Rate for Balance Transfers
1.99% APR for 6 billing periods from the posting date of the balance transfer check, after that 9.75%, 13.25%, or 16.25% as of 6/1/09 based on your creditworthiness. *

Other APRs
A variable APR will apply to balances attributable to cash advances and convenience checks:
13.75%, 17.25%, or 20.25% as of 6/1/09, depending on your creditworthiness.
Default APR: 22% on all balances**.

Variable Rate Information
Your APRs may vary. The rates are determined monthly by adding the Index (described below) and the following spreads:
6.50%, 10.00%, or 13.00% per annum, depending on your credit worthiness, for the APR for credit card purchases.
10.50%, 14.00%, or 17.00% per annum, depending on your credit worthiness, for the APR for cash advances and convenience checks.
The Index for each billing cycle is the highest ( U.S. ) “Prime Rate” published in the Money Rates table of The Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends. If the index has changed, the new variable rates will take effect as of the first day of the billing cycle.

Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.

Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
None.

Minimum Finance Charge:
$1.00

Transaction Fee for Purchases:
None

Transaction Fee for cash advances:
All cash advances (excluding balance transfers)
5% of the amount of the advance, but not less than $5.00, no more than $100.00.

Transaction Fee for balance Transfers:
2% of the transfer amount

Other Fees:
Late Payment Fee:
$15.00 for balances less than $100.00
$29.00 for balances of $100.00 to $1000.00
$35.00 for balances greater than $1000.00
Over-the-Credit-Limit Fee: $35.00
Insufficient Check Fee: $35.00
Foreign Transaction Fee: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.

Highlights of this card:

Low rate
No annual fee
1.99% balance transfers

Apply for IberiaBank Visa Gold Cash Back Rewards Card

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IberiaBank Visa Gold Cash Back Rewards Card credit cards to review and compare at BCCA. Bank One/Chase Credit Cards

Credit cards have both benefits and drawbacks. It is wise to consider both before applying for a credit card. While they can be very useful, credit cards can also be risky. Even people who are usually good with their money get into trouble with credit cards. A credit card can be useful, but may also end up putting you in a difficult financial situation if misused.

Here are some of the benefits of credit cards:

Withdraw cash 24 hours a day, anywhere in the world.
Buy online. It is the quickest and easiest way, and you are protected against credit card fraud. Repay in regular instalments. Typically, these incur interest.
Usually, there is an interest-free repayment period, which you can use to repay your debt in full, interest-free.
One of the main benefits of using a credit card rather than a debit card is the protection provided by the Consumer Credit Act. This says that if you have problems with goods or services you can get your money back from the card issuer if you can't get it back from the supplier.
Some cards provide purchase protection insurance, which pays out if something you have bought with the card is lost, damaged, or stolen within ninety days of the date of purchase.
A credit card can cost nothing - if you pick a card that doesn't charge an annual fee and you always pay the bill in full every month.
A credit card can save you money if you choose one that earns you cash every time you buy something. How much cash you get back is calculated as a small percentage of the amount you have spent on the card. Some cards offer incentives other than cash - Air Miles or shopping vouchers, for instance.
Even if you do not pay your monthly bill in full, a IberiaBank Visa Gold Cash Back Rewards Card credit card can be cheaper than running an overdraft on your current account, especially if your bank charges a monthly fee as well as interest when you overdraw.
Using a credit card can work out cheaper than using traveller's cheques or foreign currency to pay for things abroad. This is because the exchange rate used by card companies to convert foreign spending into sterling is better than normal tourist rates. However, because of credit card charges for cash withdrawals, a debit card is better if you want to use plastic to buy currency, whether over the counter or from a foreign cash-machine.
You can give to charity for free if you sign up for a charity credit card. Credit cards are often cheaper than loans for short-term borrowing. You pay interest on the remaining debt, not the full amount - and there are no early redemption penalties.
Credit cards offer flexibility to match uneven income and expenditure patterns: you choose what to pay off each month, between the minimum and the total outstanding.
Their consolidated accounting enables one cheque to settle multiple transactions – while all appear neatly on one pre-prepared statement each month.
There is an automatic ‘interest free' period per statement period.
Credit cards enable remote purchasing via the internet, by telephone or mail order.
Credit cards can include additional benefits like insurance cover on purchases, cash-back, AirMiles, Nectar or Reward points, and holiday discounts.

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IberiaBank Visa Gold Cash Back Rewards Card