Iberia Visa Signature

Earning Rates

Key Benefits

All Benefits

• Earn 75,000 bonus Avios after spending $5,000 on purchases in the first 3 months from account opening (current public Chase offer for the Iberia Visa Signature Credit Card as displayed on the Chase issuer product page; bonus Avios post to the cardmember's Iberia Plus account after qualifying spend posts)
• $95 annual fee, not waived the first year (Chase pricing & terms summary on the Apply page; annual fee disclosed at checkout)
• Iberia Plus Avios are typically valued around 1.4 cents apiece in published award-redemption analyses, so the 75,000-Avios welcome bonus represents roughly $1,050 in award-redemption value at peak Iberia Plus sweet spots (off-peak transatlantic economy from US East Coast to Madrid is regularly bookable for ~34,000 Avios one-way in economy on Iberia metal, with carrier-imposed surcharges materially lower than equivalent British Airways awards)
• 3 Avios per $1 spent on flight purchases made directly with Iberia, British Airways, and Aer Lingus (Chase issuer page; covers tickets booked with the airline directly, not through OTAs)
• 2 Avios per $1 spent on hotel accommodations booked directly with the hotel (Chase issuer page; does not include third-party OTAs like Expedia or Booking.com)
• 1 Avios per $1 spent on all other purchases (Chase issuer page)
• Companion ticket (Travel Together) earned each calendar year you make $30,000 in purchases on the card: a $1,000 Airfare Discount Voucher usable toward two tickets on the same Iberia flight (Chase issuer page lists this as a current card benefit; voucher applies to two tickets traveling together on Iberia-operated flights)
• 10% discount on Iberia flights when booked through a dedicated cardholder URL provided in welcome materials (Chase issuer page lists this as a current card benefit; not redeemable through iberia.com or other booking channels)
• No foreign transaction fees on purchases made outside the United States (Chase issuer page)
• Avios earned post to your Iberia Plus account at the end of each billing cycle, provided you have a valid Iberia Plus number on your card profile (Chase issuer page disclosure)
• Iberia Plus Avios, British Airways Club Avios, Aer Club Avios, and Qatar Privilege Club Avios all sit on the shared Avios platform; members can combine Avios across these programs using the Combine My Avios tool (relevant because Iberia Plus often prices transatlantic and intra-Europe awards more favorably than British Airways Club, so funneling card-earned Avios into Iberia Plus is a key value-unlock for this product)
• Iberia Plus household pool transfer: members can move Avios across BA / Iberia / Aer Lingus / Qatar Privilege Club accounts on the shared Avios platform, which in practice allows couples or families to consolidate card spend into one program's account for a single high-value award booking (Avios platform program rules)
• Lost Luggage Reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip (Chase issuer page; NY residents limited to $2,000 per bag and $10,000 per trip)
• Baggage Delay Insurance reimburses up to $100 per day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed more than 6 hours (Chase issuer page)
• Purchase Protection covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item (Chase issuer page; NY residents 90-day coverage window)
• Extended Warranty Protection extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase (Chase issuer page)
• Visa Signature card benefits: complimentary concierge, Visa Signature Luxury Hotel Collection (room upgrade when available, daily breakfast for two, complimentary Wi-Fi, $25 food or beverage credit on hotel stays of two nights or more), and Visa Signature dining and entertainment access (standard Visa Signature core benefits available on any product issued on the Visa Signature tier; not Visa Infinite)
• Contactless payment (tap to pay) supported on the physical card; APR is 19.24%-27.74% variable per the Chase Pricing & Terms summary (Chase issuer page disclosure as of 2026-05-23)
• Issued by JPMorgan Chase Bank, N.A., Member FDIC; account approval and credit line subject to Chase's standard underwriting and the unwritten Chase 5/24 rule, under which applicants with 5 or more new card accounts opened across all issuers in the past 24 months are typically declined
• Welcome bonus eligibility: the Iberia Visa Signature is a Chase cobrand product so it is not subject to Chase Sapphire family or Chase Ink family welcome-bonus restrictions; existing cardholders or recent recipients of an Iberia Visa Signature welcome bonus are not eligible for a new bonus (per general Chase cobrand policy)
• Lounge access: Not offered. The Iberia Visa Signature does not grant any complimentary airport lounge access — no Priority Pass, no Iberia Premium / Velazquez lounge access, and no Chase Sapphire Lounge access — and there is no provision for purchasing day passes at a discount; lounge access on Iberia flights requires earned Iberia Plus / oneworld status (Plata for partner lounges with a same-day oneworld flight, Oro/Platino for broader lounge entitlements) or a paid premium-cabin ticket
• TSA PreCheck / Global Entry / NEXUS application fee credit: Not offered. The Iberia Visa Signature does not reimburse the $100 Global Entry or $85 TSA PreCheck application fee, unlike the Chase Sapphire Preferred ($100 every 4 years) or Sapphire Reserve
• Trip cancellation and trip interruption insurance: Not listed on the current Chase Iberia Visa Signature Travel & purchase coverage section, in contrast to the Chase Sapphire Preferred and Sapphire Reserve which both include this protection; older third-party reviews citing trip cancellation coverage on Chase Avios cobrands predate Chase's removal of trip cancellation from default Visa Signature cobrand benefit lineups (verify: not present on the live Chase Iberia issuer page as of 2026-05-23 scrape)
• Trip delay reimbursement: Not listed on the current Chase issuer Travel & purchase coverage section for this card (only Lost Luggage Reimbursement and Baggage Delay Insurance are listed)
• Auto Rental Collision Damage Waiver: Not listed on the current Chase Iberia Visa Signature Travel & purchase coverage section. The live Chase issuer page does not enumerate auto rental CDW (primary or secondary) among the card's protections — treat as removed/unavailable; cardholders should not rely on primary CDW when declining the rental company's collision waiver (verify: not present on the live Chase Iberia issuer page as of 2026-05-23 scrape; some legacy third-party reviews previously described primary CDW on this product)
• Travel Accident Insurance and Emergency Evacuation: Not listed on the current Chase Travel & purchase coverage section for this card (these protections appear on Sapphire Preferred/Reserve but not on the Iberia Visa Signature)
• Cell phone protection: Not offered (Chase does not list cell phone protection in the Travel & purchase coverage section of the Iberia Visa Signature issuer page)
• Anniversary bonus Avios: Not offered. Unlike Chase's United and Hyatt cobrands, the Iberia Visa Signature does not grant a fixed Avios bonus on each cardmember anniversary; ongoing earn comes from the 3X/2X/1X structure, the $1,000 Travel Together airfare voucher at $30,000 calendar-year spend, and the welcome bonus
• Iberia carrier-imposed surcharges on awards: Iberia Plus typically passes through materially lower YQ surcharges than British Airways on transatlantic awards on Iberia-operated metal, which is the primary reason to direct card-earned Avios into Iberia Plus rather than BA Club; the card itself does not insure against Iberia award-chart devaluations or surcharge changes