Best Credit Cards | View All Cards | Credit Card Comparisons | Credit Cards 101 | Glossary | Visa | MasterCard | American Express | Discover

Terms Term A Term B Term C Term D Term E Term F Term G Term H Term I Term J Term K Term L Term M Term N Term O Term P Term Q Term R Term S Term T Term U Term V Term W Term X Term Y Term Z

Credit Card Glossary – R Risk pricing A higher percentage rate is charged to customers considered "higher risk". You may earn a "higher risk" designation if you are late making payments or default on some other area of your credit agreement. Rate floor After any applicable introductory rate period passes, the rate floor determines the lowest possible interest rate on a variable-rate credit card. For example, no matter how low the Prime rate drops, the credit card interest rate will never drop below the specified rate floor. Receipt A hard copy document recording a transaction that took place at the point of sale, with a description that usually includes: date, merchant name/location, primary account number, amount, and reference number. Recurring Billing Transactions for which a cardholder grants permission to the Merchant to periodically charge his account number for recurring goods or services. Reference Number Number assigned to each monetary transaction in a descriptive billing system. Each reference number is printed on the monthly statement to aid in retrieval of the document, should it be questioned by the cardholder. Refund Create a credit to a cardholder account, usually as a result of a product return or to correct an error. Request Authorization (auth) Submits a transaction for Authorization Only. (See Authorization) Retail Merchant A merchant that provides goods and/or services in the retail industry, but is not a mail/phone merchant, a recurring services merchant, or a T&E merchant. Retrieval Request An issuer's request for a transaction receipt, which could include the original, a paper copy or facsimile, or an electronic version thereof. Reversal An online financial transaction used to negate or cancel a transaction that has been sent through interchange in error.

Best Visa IBERIABANK Visa® Platinum Card No annual membership fee Travel accident coverage up to $1,000,000 Online access to credit card account IBERIABANK Visa® Platinum Card Best MasterCard American DreamCard™ MasterCard® Large monthly cash jackpots! Earn entries from everyday shopping! Get 1,000 entries just for applying! American DreamCard™ MasterCard® Best American Express Blue Cash® from American Express Earn up to 5% cash back on everyday purchases No Annual Fee 0% Intro APR for up to 12 months on purchases Express Approval. Decision in less than 60 seconds. Blue Cash® from American Express Best Discover Discover® More(SM) Card $0 Fraud Liability Guarantee Advanced fraud early warning alerts Secure online account numbers Fraud specialists dedicated to helping you 24/7 Discover® More(SM) Card   Search By Category Low Interest Credit Cards Reward Credit Cards Student Credit Cards Rebate Credit Cards Travel Reward Credit Cards Small Business Credit Cards Gas Credit Cards Business Reward Credit Cards Business Travel Credit Cards Pre-paid Credit Cards Secured Credit Cards Special Interest Credit Card Offers

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on issuers website.