With the new IBC Visa® credit card, customers are free to shop for six full months and enjoy the 0% Introductory APR on all their purchases. Customers can also transfer their balances to an IBC Bank Visa® Credit Card to save. A Visa® credit card from IBC Bank offers 0% fixed is effective for the first six billing cycles after customers open their account, on all balance transfers. With a Visa® credit card from IBC, customers are entitled to an ongoing, variable APR as low as Prime 3.74% on purchases and balance transfers.