Although Iberia bank is not the most well known banks in the world, they are pulling out some options to become one of the most well known cards around. Iberia bank is offering the lowest long term rate that I have personally seen in a long time. We are talking prime+5.5 in some cases. Not only are the interest rates where you want them to be but they are also allowing balance transfers on their accounts. This is something that, in this economy, people can really save some money with. It is however a lengthy application but trust me, the perks are well worth it. Also, you don't have to have excellent credit to enjoy thes offers. Apply here: IberiaBank Cards