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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Iberia Visa Signature card credit card review: Earn Avios to connect with the world
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
April 22, 2025 • 10 min read
RYAN PATTERSON/THE POINTS GUY
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Quick summary
This card is designed for travelers seeking to earn Avios, a versatile rewards currency used by several international airlines and Oneworld partners.
Avios can be redeemed for flights, upgrades, and more, with notable value for short-haul and transatlantic business-class flights.
The card offers a substantial introductory bonus and a few travel-related perks, though it lacks benefits like priority boarding or free checked bags.
It is the only cobranded Iberia airline card available in the U.S., making it appealing for Avios enthusiasts despite its modest benefits.
What to consider
Avios earned through this card expire after 36 months unless transferred or redeemed.
A $95 annual fee applies, but certain perks and discounts can help offset this cost.
Approval is affected by the 5/24 rule, which limits eligibility if you have opened more than five credit cards in the past 24 months.
What you'll miss from the article
A detailed comparison of Avios-earning strategies and how to maximize redemptions across multiple airline partners.
Generated by AI with support from our editorial team.
The Iberia Visa Signature® Card is a solid pick for travelers looking to earn Avios, the rewards currency used by Iberia, British Airways and other partners. You can redeem Avios for flights across the Oneworld alliance or transfer them to partners like Qatar Airways for even more flexibility. As a cobranded airline card, the benefits are fairly run-of-the-mill, but this card can still provide value for Avios fans. Card Rating*: ⭐⭐⭐
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
International airline credit cards typically have fewer benefits than domestic ones, and the Iberia Visa Signature Card is no exception. Unlike cobranded airline cards, like the (see rates and fees), the Iberia Visa Signature card doesn’t come with priority boarding or a free checked bag. However, this is the only cobranded offering from Iberia available in the U.S., so it’s ideal if you’re trying to earn extra Iberia Avios.
The Iberia Visa Signature Card features a $95 annual fee, but the hefty welcome offer and a couple of money-saving perks can help offset this cost.
Iberia and its sister airlines, British Airways and Aer Lingus, earn Avios — a versatile reward currency that can be used across all three carriers for flights around the world. Iberia is also part of the Oneworld alliance, which opens the door to thousands of mileage redemption possibilities with airlines on every continent.
For this reason, Avios is one of my favorite airline currencies to earn since they can be lucrative for short-haul flying and business-class flights to Spain.
To improve your chances of approval, we recommend having a credit score of at least 670.
Let’s take a closer look at what this card has to offer — and whether it deserves a spot in your wallet.
The information for the Iberia Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Iberia Visa pros and cons
Pros
Cons
Part of Oneworld alliance
Solid earnings rate for an airline card
Healthy welcome offer
Lacks benefits despite an annual fee
Your Avios points can expire after 36 months if you don’t transfer or redeem them
Iberia Visa welcome bonus
The Iberia Visa currently offers an impressive welcome offer of 75,000 Avios after spending $5,000 on purchases within the first three months from account opening.
TPG’s October 2025 valuations peg Avios at 1.4 cents apiece, making those 75,000 Avios worth $1,050.
THE POINTS GUY
One important note: The Iberia Visa Signature falls under Chase’s 5/24 rule. If you’ve opened more than five credit cards in the past 24 months (from all banks, not just Chase), chances are your application will be automatically rejected — even if you have a nearly perfect score.
Iberia Visa benefits
Although the Iberia Visa lacks many of the usual domestic cobranded airline card benefits, such as a free checked bag and priority boarding, it does offer a few perks that can make it a decent addition to your wallet. These benefits include:
Flight discount: Save 10% on Iberia flights purchased at Iberia.com/Chase10 when you use your Iberia Visa card.
$1,000 voucher: Earn a discount voucher of $1,000 to use toward two tickets on the same flight each year you spend $30,000 on purchases on your Iberia Visa card.
No foreign transaction fees: Since this is an international airline card, it makes sense that there are also no fees when you use it abroad.
A downside to the $1,000 voucher is that it must be used toward two tickets, so if you’re a solo traveler, you must find another person to book with to take advantage of this offer.
Earning Avios on the Iberia Visa
With the Iberia Visa, you’ll earn Avios at the following rates:
3 Avios per dollar spent on purchases with Aer Lingus, British Airways, Iberia and Level
2 Avios per dollar spent on hotel accommodations when purchased directly with the hotel
1 Avios per dollar spent on all other purchases
BEN SMITHSON/THE POINTS GUY
If most of your flying is done on Iberia, British Airways or Aer Lingus, then you’ll earn the most bonus points when using this card. You’ll get 3 Avios for every dollar spent on purchases with Aer Lingus, British Airways, Iberia and Level.
Still, these aren’t especially impressive earning rates. You may decide to instead get a card that earns Chase Ultimate Rewards or American Express Membership Rewards points since you can transfer them to Iberia Plus and other transfer partners.
As with most frequent flyer programs, you’ll get the best value from your Iberia Visa Avios if you use them for flights. However, you can also use Avios for flight upgrades, hotel stays, rental cars and experiences.
Iberia has a close partnership with British Airways and Aer Lingus, two airlines that also use the Avios currency. You can transfer your Avios between these airlines, which is a nice perk if you prefer a particular program. Once points are transferred to British Airways, you can transfer or combine them with Qatar Airways or Finnair Avios for even more lucrative redemptions.
If you're a U.S.-based traveler, one of the best aspects of redeeming with Iberia is the ability to use Avios for short-haul flights on Oneworld partner airlines, including American Airlines.
CHRISTIAN KRAMER/THE POINTS GUY
Iberia uses a unique distance-based award chart, which sets it apart from partners like British Airways and Aer Lingus. One of my favorite redemptions is an award chart sweet spot: a one-way business-class ticket between New York (JFK) or Chicago (ORD) and Madrid (MAD) for just 34,000 Avios off-peak — an incredible value for a transatlantic premium cabin ticket.
That said, there are a few drawbacks, including the Iberia website which is clunky and is not user-friendly. Additionally, while Iberia partners mostly follow similar distance-based award charts, many require round-trip bookings, which limits flexibility when booking with Avios across the network.
Unlike other airline miles, you can transfer Iberia Avios to another airline as long as they stay under the same umbrella as the parent company of the International Airline Group. This includes transferring Avios to British Airways and Aer Lingus at a one-to-one ratio if you so choose.
This opens up a multitude of ways to redeem your Avios on Oneworld partners. For instance, you can get great value by transferring your Iberia Avios to British Airways to redeem them on American Airlines for great value on domestic flights.
ZACH GRIFF/THE POINTS GUY
TPG contributing editor Matt Moffitt likes to use 12,500 Avios to fly Qantas business class between Sydney and Melbourne to see family when he visits Australia and loves that it includes lounge access.
While other cobranded airline cards might be more of a direct competitor, that won’t be the case if you’re looking specifically for Avios. Iberia is a 1:1 transfer partner of both American Express Membership Rewards and Chase Ultimate Rewards and a 3:1 transfer partner of Marriott, so it’s pretty straightforward to earn Avios.
If you prefer a more flexible currency and are under the 5/24 rule: The (see rates and fees) is a solid card option with a $95 annual fee and earning Ultimate Rewards points. With it, you’ll earn 3 points per dollar spent on dining and 2 points per dollar spent on travel, among other valuable earnings. For more information, read our full review of the Chase Sapphire Preferred.
If you prefer a flexible currency and are over the 5/24 rule: The is a worthy competitor to the Chase Sapphire Preferred, although the annual fee is higher at $325 (see rates and fees). The card earns Membership Rewards points: 5 points per dollar spent on prepaid hotels booked on amextravel.com or the Amex Travel App™, 4 points per dollar spent on dining at restaurants worldwide (up to $50,000 per calendar year, then 1 point per dollar spent thereafter) and at U.S. supermarkets (up to $25,000 per calendar year, then 1 point per dollar after that), 3 points per dollar spent on flights booked directly with the airline, amextravel.com or the Amex Travel App, 2 points per dollar spent on car rentals booked on amextravel.com or the Amex Travel App, 2 points per dollar spent on cruises booked on amextravel.com and 1 point per dollar spent on everything else. For more information, read our full review of the Amex Gold.
If you prefer another Avios-earning airline. The (see rates and fees) is another airline card that earns Avios. It also earns 3 points per dollar spent on Aer Lingus, British Airways, Iberia and Level but has useful benefits like 10% off eligible flights when booked through a special link and a reward statement credit. For more information, read our full review of the British Airways Visa.
With its low annual fee, the Iberia Visa is worth it for those who want to earn valuable Avios. Other Avios earning cards exist with the same annual fee but more benefits, such as the card. However, if you want more flexibility or better earning rates, you’ll want to opt for a card that earns transferable rewards instead.
Bottom line
The Iberia Visa Signature card is a solid option if you want to start earning Avios or are already invested in the program. With a valuable welcome offer and decent perks, it’s worth adding to your wallet if you’re flying Iberia or its partners, British Airways and Aer Lingus.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
