Chase· co-branded with Club Iberia Plus
Iberia Visa Signature
Annual fee
$95
Welcome bonus
75,000 Avios
Foreign txn fee
0%
Good to know before you apply
- The 75,000 Avios welcome bonus after $5,000 in 3 months is the most compelling reason to apply - $5,000 across 3 months is a real spend threshold, not a "exist and buy coffee" situation, so it's worth timing this application around a large purchase or a period when your natural spending runs higher.
- The $1,000 airfare discount voucher sounds incredible until you read the fine print - it requires $30,000 in annual card purchases, covers two tickets on the SAME Iberia flight, and resets by calendar year, so this perk is genuinely valuable for Iberia loyalists and essentially decorative for everyone else.
- The 3x on flights is limited to Iberia, British Airways, and Aer Lingus purchases - you're not getting elevated earn on Delta, United, or anyone outside that oneworld-adjacent trio, which means this card earns at its best when you're already flying within that specific airline ecosystem.
- NO earn rate worth writing home about outside the bonus categories - hotels get 2x if booked directly with the property, everything else is 1x, and there are no dining multipliers, no rotating categories, no drugstore bumps hiding anywhere in the fine print.
- The 10% discount on Iberia flights booked through a specific link in your welcome materials is real money on premium cabin fares - the catch is that "the specific link in your welcome materials" is the kind of thing that lives in an email you've already archived, so find it now and bookmark it.
- The DashPass perk requires activation before December 31, 2027, and auto-renews at the going monthly rate after the complimentary year closes - the $10/quarter DoorDash credit for non-restaurant orders is real money if you use the app, but both perks need you to actually opt in or they just sit there doing nothing.
- NO foreign transaction fees - this card is meant to travel with you, and for a $95/year airline co-brand, the 0% FX fee is table stakes that at least checks the right box.
The Iberia Visa Signature is a lean $95/year co-branded card best suited for travelers who regularly fly Iberia, British Airways, or Aer Lingus and want to stack Avios quickly. The headline perk - a $1,000 companion voucher after $30K spend - is compelling for Iberia devotees, but the card is otherwise a no-frills earner with a solid 75K welcome bonus.
Welcome bonus
What you get for signing up and hitting the minimum spend.
75,000 Avios · $5,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
75,000 Avios · $5,000 spend in 3mo
75,000 Avios after spending $5,000 in the first 3 months.
Earn rates
How many points per dollar across categories.
3 categories · top rate 3x
See the multipliers →
Earn rates
How many points per dollar across categories.
3 categories · top rate 3x
Card-level multipliers. Earn currency: Club Iberia Plus.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| Flights | 3x | direct | 3 Avios per $1 on Iberia, British Airways, and Aer Lingus flight purchases. |
| Hotels | 2x | direct | 2 Avios per $1 on hotel accommodations booked directly with the hotel. |
| All other purchases | 1x | — | 1 Avios per $1 on all other purchases. |
Transfer in
Programs that transfer into Club Iberia Plus — additional paths to top up your balance.
9 programs transfer in
See the inbound paths →
Transfer in
Programs that transfer into Club Iberia Plus — additional paths to top up your balance.
9 programs transfer in
You can transfer points into Club Iberia Plus from 9 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.
| From | Ratio | Notes |
|---|---|---|
| ALL - Accor Live Limitless | 1:1 | 3,000 Reward points = 3,000 Avios. Lands in Iberia Club as Avios. |
| American Express Membership Rewards | 1:1 | 1,000 MR = 1,000 Avios |
| Avios | 1:1 | Avios family combine partner. Same value 1:1, no transfer fee. Iberia Plus keeps its own award chart with different sweet spots. |
| Bilt Rewards | 1:1 | No transfer fee. Iberia Plus Avios. |
| Chase Ultimate Rewards | 1:1 | 1,000 UR = 1,000 Avios (Iberia Club) |
| IHG One Rewards | 5:1 | Convert IHG points to Iberia Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Marriott Bonvoy | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Melia Rewards | 100:30 | 100 Melia Rewards points = 30 Iberia Club Avios. All four Avios-family carriers (Iberia, British Airways, Vueling, Aer Lingus) transfer at the same 100:30 ratio. You can set up automatic conversion in your Melia Rewards profile. No transfer tax. Minimum 2,000 Melia points per transfer (= 600 Avios). Max 250,000 Melia points per calendar year to airline partners, unless you have set an airline as your preferred partner in your Melia profile (then there is no limit). You also need at least one earn or redeem transaction from a hotel stay on your account when you convert. Promotional points ineligible. |
| Wells Fargo Rewards | 1:1 | No transfer fee. Iberia Plus Avios. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Chase Experiences
Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Status accelerators
Perks that unlock at spending milestones.
1 benefit
See the details →
Status accelerators
Perks that unlock at spending milestones.
1 benefit
$1,000 Airfare Discount Voucher
Earn a $1,000 discount voucher toward two tickets on the same Iberia flight each calendar year when you make $30,000 in purchases on your card.
Unlocks at $30,000 spend
Statement credits
Bill credits and recurring perks that offset annual fees.
2 benefits
See the details →
Statement credits
Bill credits and recurring perks that offset annual fees.
2 benefits
DashPass Complimentary Membership (1 Year)
One-year complimentary DashPass membership for DoorDash and Caviar with unlimited deliveries and $0 delivery fees on eligible orders. Must activate by Dec 31, 2027. After that, auto-enrolled at current monthly rate.
DashPass $10 Quarterly Non-Restaurant Credit
DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
Baggage Delay Insurance
Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Lost Luggage Reimbursement
Reimburses up to $3,000 per covered traveler for repair or replacement of checked or carry-on baggage that is lost, damaged, or stolen. NY residents: limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. NY residents: coverage period is 90 days.
Extended Warranty Protection
Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less, up to four years from date of purchase.
Other
Other perks on this card.
3 benefits
See the details →
Other
Other perks on this card.
3 benefits
10% Discount on Iberia Flights
Get a 10% discount on Iberia airfare when you book through the website provided in your welcome materials using your Iberia Visa Signature Card.
Chase Pay Over Time (BNPL)
Break up eligible credit card purchases of $100+ into equal monthly payments with a fixed monthly fee (no interest). Plan durations range from 3-24 months. Also available at Amazon.com checkout for orders of $50+.
No Foreign Transaction Fees
No foreign transaction fees on purchases made abroad.