Iberia Visa Signature® Card
Basic Information
Program ID: iberia-visa-signature-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 13:01
Last Scraped: 01/15/2026 13:03
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $20,000.00
Time Period: 360 days
Bonus Timing: Bonus Avios are typically posted to your Iberia Plus account 6 to 8 weeks after you meet the spending requirement for each tier.
Rewards Program
Reward Type: Avios
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Avios on purchases with Iberia, British Airways, Aer Lingus, and LEVEL; 2x Avios on hotel accommodations purchased directly with the hotel
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Avios do not expire as long as your account is active and in good standing.
Transfer Partners: Iberia Plus, British Airways Executive Club, Aer Lingus AerClub, LEVEL Club
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies by applicant
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Chase cards, rapid application for multiple cards, frequent balance transfers without organic spending, suspicious activity, bouncing payments, abuse of return policies, providing inaccurate information on application, or opening and closing accounts too quickly.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 50% General / 50% Co-brand/Travel
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: Rev. 10/23