0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Avios
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Avios on purchases with Iberia, British Airways, Aer Lingus, and LEVEL; 2x Avios on hotel accommodations purchased directly with the hotel
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Avios do not expire as long as your account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: Iberia Plus, British Airways Executive Club, Aer Lingus AerClub, LEVEL Club
Redemption Penalties: Cancellation fees may apply for award flights.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING100,000
Points/MilesRequirement: Spend $20,000 in 360 days
Timing: Bonus Avios are typically posted to your Iberia Plus account 6 to 8 weeks after you meet the spending requirement for each tier.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 28.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the new cardmember bonus requires that you do not currently have the Iberia Visa Signature Card and have not received a new cardmember bonus for this card in the past 24 months. All applicants must adhere to Chase's 5/24 rule, meaning you cannot have opened 5 or more personal credit cards from any issuer in the past 24 months. Applicants must also have good to excellent credit (typically 700+ FICO), be 18 years or older, a US resident, and have sufficient income to support the credit line.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: For co-branded cards like the Iberia Visa Signature, the primary 'cliff effect' relates to the bonus eligibility for this specific card (not having the card or bonus in the past 24 months). There are no broader 'family' rules that prevent holding other types of Chase co-branded cards, unlike the specific restrictions seen within the Chase Sapphire product line.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Excellent for frequent Iberia and Oneworld flyers, generous welcome bonus, valuable Avios points, no foreign transaction fees, and a 10% discount on Iberia flights.
Top Negative:
Niche card only valuable for specific airline loyalty, Avios redemption can be complex, annual fee without broad benefits for non-Iberia travelers, and subject to Chase's 5/24 rule.
Approval Experience: 75.0 / 100
Recommended Alternatives
- British Airways Visa Signature Card
- Chase Sapphire Preferred Card
- American Airlines AAdvantage Platinum Select World Elite Mastercard
Card Value Score: 80.0 / 100
Est. Annual Rewards: $1,378.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: Rev. 10/23