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 very 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 a low rate 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.