Our illustration in the card’s colours, not its design
Chase credit card
Iberia Credit Card
- APR up · 19.24% to 19.49% · Oct 11, 2026
$95 a year. 75,000 Avios after you spend $5,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening. *”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$95 †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“APR 19.49%–27.99% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
75,000 Avios
After you spend $5,000 on purchases in your first 3 months.
- Spending it takes
- $1,667 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
The account must be open and not in default at fulfillment. The bonus is unavailable to current cardmembers and to previous cardmembers who received a new cardmember bonus for this card within the last 24 months. Allow 6 to 8 weeks for the bonus to post to the Iberia Club account.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $25 | $25 | |
| Typical spender | $955 | $205 | |
| Heavy spender | $1,425 | $675 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
$25a year
The same in the first year and after.
Rewards and credits$120
You keep $25−$95 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
$205a year
$955 the first year, with the welcome bonus.
Rewards and credits$300
You keep $205−$95 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$675a year
$1,425 the first year, with the welcome bonus.
Rewards and credits$770
You keep $675−$95 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$340 a year
- Chase Sapphire PreferredChase · $95 a year+$280 a year
- Citi Strata Premier - TravelCiti · $95 a year+$265 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Iberia Club
How you earn
- 3×
- Earn 3 Avios for each $1 spent on flight purchases made directly with Iberia, British Airways, LEVEL, and Aer Lingus.
- 2×
- Earn 2 Avios for each $1 spent on hotel accommodations when purchased directly with the hotel.
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- DoorDash non-restaurant order discount: $10 quarterly
- Baggage: $100 a day for up to 3 days
- Purchase protection: $500 per item
- Baggage: $3,000 per covered traveler
- Extended warranty
Changes
- Oct 11, 2026 APR 19.24% to 19.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$95 †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “APR 19.49%–27.99% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “APR 19.49%–27.99% variable APR. †” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $95 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 11, 2026
- What is the purchase APR?
- 19.49–27.99% APR · chase.com, since Oct 11, 2026
- Is there a welcome bonus?
- 75,000 Avios after $5,000 in purchases in 3 months. · chase.com, since Sep 29, 2026