Chase Sapphire Preferred vs Iberia Visa Signature: Which Is Better In 2025?

Iberia Visa Signature Breakdown

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Why We Like It

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Here’s a closer look at why the Iberia Visa Signature® Card stands out to us.

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• The card offers a strong earning rate of 3 Avios per dollar on purchases with partner airlines like Iberia, British Airways, and Aer Lingus.
• Cardholders receive valuable travel perks, including a 10% discount on certain Iberia flights and no foreign transaction fees.
• The annual $1,000 discount voucher for two tickets, earned after spending $30,000 in a year, can significantly outweigh the card's $95 annual fee (publisher-formulated estimate).

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Pros

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• A generous welcome bonus for new cardholders after meeting initial spending requirements.
• Unique travel benefits, such as a discount on Iberia flights and an annual companion travel voucher.
• Flexible rewards that can be transferred to other airline partners, including British Airways and Aer Lingus.

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Cons

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• Lacks common airline card perks like priority boarding and free checked bags.
• Key benefits, such as the annual discount voucher, come with restrictive terms that can limit their value, especially for solo travelers.
• The card is subject to strict application rules, and the airline’s booking website can be difficult to navigate when redeeming rewards.

Iberia Visa Signature vs Chase Sapphire Preferred®

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Categories

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When deciding which is better, Chase Sapphire Preferred® or Iberia Visa Signature®, it's important to understand what type of traveler you are. Each card excels in a different area, catering to distinct travel styles and reward goals.

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• Chase Sapphire Preferred® Card: This card is best for those looking for a great entry-level travel card, offering strong rewards and travel protections for frequent travelers who don't want a premium annual fee.
• Iberia Visa Signature® Card: This is a co-branded international airline card designed for travelers who want to earn Avios, making it ideal for those who frequently fly with Iberia or its airline partners.

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Redemption

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Chase Sapphire Preferred®: Points earned with this card are highly flexible, allowing you to redeem them for travel through the Chase portal, transfer them to various airline and hotel partners, or opt for cash back. This versatility makes it a strong choice for travelers who value having multiple redemption options.

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Iberia Visa Signature®: This card earns Avios, which are primarily redeemed for flights with Iberia and its Oneworld alliance partners. It offers excellent value for award flights within this network, making it ideal for loyalists of the airline and its partners.

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Travel Perks

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• The Chase Sapphire Preferred® offers access to the Chase Ultimate Rewards® travel portal, where points are worth more when redeemed for travel, and includes an annual hotel credit for bookings made through the portal. The Iberia Visa Signature® Card, on the other hand, focuses its ecosystem on the airline itself, with Avios redemptions made directly with Iberia and its Oneworld partners.
• For international travelers, a significant perk is that neither card charges foreign transaction fees, making purchases abroad more cost-effective.
• A key benefit for Iberia loyalists is the discount voucher on an Iberia flight, which is earned after meeting an annual spending threshold on the Iberia Visa Signature® Card. The Sapphire Preferred does not offer airline-specific vouchers, instead focusing on broader travel flexibility.
• Both cards come with a suite of travel protections, including auto rental collision damage waivers and coverage for trip delays. However, the Chase Sapphire Preferred® is well-regarded for its comprehensive insurance benefits, which can be a deciding factor for frequent travelers.
• It's important to note that neither of these cards includes complimentary airport lounge access, a perk typically reserved for more premium travel cards with higher annual fees.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, a tool like Kudos allows you to compare thousands of credit cards using your own spending data to find the perfect match.

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• Test drive credit cards: The platform's "Test Drive" feature lets you simulate potential earnings with any card based on your actual spending history, all without a hard credit pull.
• Personalized recommendations and approval odds: Get data-driven card recommendations and a detailed analysis of your approval chances based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months of approval, Kudos will match it.
• Exclusive rewards: Unlock a $100 Kudos Kickstart+ reward for adding select approved cards to your wallet and earn Kudos Boost rewards when shopping at your favorite stores.
• Spending and credit monitoring: Track your transactions and monitor your credit score all in one platform.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to earn significant rewards without committing to a premium annual fee. It's particularly well-suited for those who spend regularly on dining and travel, as it offers accelerated points in these categories and provides robust travel protections. This card serves as a top-tier entry-level travel card, though occasional travelers might find a no-annual-fee card more practical.

Who Should Choose the Iberia Visa Signature?

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The Iberia Visa Signature® Card is primarily designed for travelers who frequently fly with Iberia, British Airways, or other Oneworld alliance airlines and are looking to accumulate Avios. Cardholders can leverage these points for high-value redemptions, such as off-peak business-class flights to Madrid, or transfer them between partner airlines for maximum flexibility. As the only co-branded Iberia card available in the U.S., it's an essential tool for American travelers dedicated to the Avios rewards program, according to a review from The Points Guy.

Alternatives to Consider

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After reviewing the Chase Sapphire Preferred® Card vs. Iberia Visa Signature® Card comparison, you might find that neither card perfectly aligns with your spending habits or travel goals. Fortunately, the travel rewards card market is full of strong contenders that could be a better fit for your wallet.

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most travel rewards cards require a good to excellent credit history for approval.
• Review issuer application rules - Many issuers have rules that could affect your eligibility, like the Chase 5/24 rule.
• Plan for the welcome offer - Make sure you can comfortably meet the minimum spending requirement to earn the bonus.

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Application Strategy

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• Weigh your card options - Decide if a flexible card like the Sapphire Preferred or a co-branded one like the Iberia Visa is right for you.
• Research transfer partners - Know how you'll use your points, whether with Chase partners or by transferring Avios to other airlines.
• Time your application - Apply before a large planned purchase to help meet the spending requirement naturally.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer Chase Ultimate Rewards® points to Iberia?

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Yes, the Chase Sapphire Preferred® Card earns Ultimate Rewards® points, which can be transferred to several airline and hotel partners, including Iberia Plus, typically at a 1:1 ratio. This allows you to combine points from both programs for redemptions.

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Which card is better for earning rewards on everyday spending?

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The Chase Sapphire Preferred® Card generally offers broader bonus categories, such as dining, online groceries, and select streaming services, making it a strong contender for everyday spending. The Iberia Visa Signature® Card's earning is more focused on purchases made directly with Iberia, British Airways, and Aer Lingus.

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Do both cards have foreign transaction fees?

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No, neither the Chase Sapphire Preferred® Card nor the Iberia Visa Signature® Card charges foreign transaction fees. This makes both cards suitable options for purchases made while traveling abroad.

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