IR Bank Credit Cards Review – Van Gold Cash Back Rewards

I would like to consider myself a connoisseur when it comes to credit cards. Because I have learned to use creditworthy in my life, I have found that I have had different needs at different times in my life. I also learned that more often than not there is a credit card that is specifically tailored to those needs. It is important to do research every time you are looking for a new card. Often without much research you can find the card you need from one of the “heavy hitters”. Other times you have to dig a little deeper. I learned one thing, it is not the size of the couch that matters or how ‘big’ their name is. You can often find great credit card deals with some of the smaller players.

 

IR Bank

IR Bank

IR Bank is one of those players. I came across oWilliam Tellang’s four different cards, all from Iberia, which have features and benefits that may be desirable for you. I will start with a list of a few things that apply to all four cards. Because I always warn everyone when it comes to credit cards – read carefully, and if you decide to apply, read the fine print. I have done my best to do these things as part of my research, but please do your due diligence on one of these cards.

The following requirements apply to all four cards:

  • You must be under your belt for at least six months at your current employer.
  • Excellent credit is required. They offer a number of reasonably good deals; however, you must have a good credit score to qualify for this. I would say that a score of 725 or better would be needed.
  • A hard credit check will be performed. In a nutshell this means that it will be on your credit report. Too many requests for new credit lines can have a negative effect on your creditworthiness. Another reason why you probably want to be sure William Tellijk is that you will be approved before continuing.
  • Proof of income required. No big deal here, it’s worth mentioning.

And now, here are the four cards split separately:

 

IR Bank Visa Select

IR Bank Visa Select

  • Performs an introduction rate of 0% on purchases for the first 12 months.
  • A low APR of 1, 99% on balance for the first twelve months. A surcharge for the transfer of the balance applies (3%). The balance must be transferred within the first three months after opening the account.
  • After the first twelve months, the APR goes to a variable of 7.25%. Generally this is based on Prime and your credit score.
  • $ 35 annual cost.

My Take : this would be a good card if you have an upcoming “event” in your life that will require many purchases, and you want to “stretch” by paying them back. I used similar cards in the past (so after I bought my first house and after the birth of my son). Submit your application here.

Read our IR Bank Visa Select Card Review for more information.

 

IR Bank Visa Classic

IR Bank Visa Classic

  • This card does not carry an annual fee.
  • It has a low variable introduction rate of 7, 25% that is based on Prime and also depends on your credit score.
  • On balance 1, 99% transfers for the first six months. A surcharge for the transfer of the balance applies (2%). They must be done within three months of opening the account. After the introduction period, it is the same rate as for your purchases.

My Take : a great card for long-term use. The lowest APR on purchases of the four. Submit your application here.

 

IR Bank Visa Gold Cashback rewards

IR Bank Visa Gold Cashback rewards

  • You can earn 1% cash credit for all eligible purchases, with no limit on the amount you can earn and no expiration date for accounts with a good reputation.
  • Travel accident coverage up to $ 500,000.
  • A low variable rate starting at 9, 25% (based on Prime and your credit score).
  • No annual costs.

My Take : one of the better deals available with regard to cash on purchases. Travel accident insurance is often overlooked, but a great advantage. Submit your application here.

 

IR Bank Visa Platinum Rewards

IR Bank Visa Platinum Rewards

  • Earn a point for every dollar spent on qualifying purchases. These points can be used for rewards for hotels, gifts or rewards.
  • Travel accident coverage goes up to $ 1,000,000.
  • A low variable rate starting at 9, 25% (based on Prime and your credit score).
  • On balance 1, 99% transfers for six months. A surcharge for the transfer of the balance applies (2%). Transfers must be made within three months of opening the account. APR rises to your rate for purchases after the iWilliam Counting period has ended.
  • No annual costs.

My Take : perhaps the best of the bunch, depending on your needs. Obviously a great opportunity for those who like to travel. Submit your application here.

 

Take our best offers

Take our best offers

It would be very difficult for me to come out and say which card is the best of these four offers. That’s because it all depends on what you need. There are advantages and a few drawbacks to each card, so you must first decide what you are looking for on your credit card before deciding which offer you want to take advantage of. Sometimes this can be more difficult than choosing the card itself. All in all, I think IR Bank has designed a great card for you.

During my son’s check over the past year, the pediatrician told us about many things, such as what he should introduce to his diet, what skills we should work on, and upcoming potential vaccines. None of these came as a surprise to me as the information is generally available in almost every baby book.

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