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VS

Compare the Features and Benefits of Capital One Spark Cash Plus and
Iberia Visa Signature® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
No Fees for Authorized Users
No Foreign Transaction Fees
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Trip Protections
Purchase Protection
Free Access to Credit Score
Annual Fee
$150
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
5x Car Rentals

Only when booked via Capital One Travel; Otherwise earn 1X.

5x Hotels

Only when booked via Capital One Travel; Otherwise earn 1X.

2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Ends March 11th! Earn $1,500 Cash Back once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months - for a total of up to $3,000 in cash back.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

rental-cars-capital-one-spark-cash-plus

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.



Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Has No Preset Spending Limit
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Trip Protections
no
Purchase Protection
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

2x Hotels

Must be booked directly with the hotel

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.63) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Beyond a generous sign up bonus, the Iberia credit card earns 3x Avios points on Iberia, British Airways, LEVEL, and Aer Lingus and 2x Avios per dollar spent on hotel accommodations booked directly with the hotel.

Avios can be shared between any Avios program, which also includes Qatar Airways (home of the QSuite) and you can redeem Iberia Avios for award tickets on oneworld airlines like American Airlines, Alaska Airlines, Cathay Pacific, and more.

The sweetest sweet spot on the Iberia award chart is a 34,000 point one way flight in Business Class to/from the Eastern US and Madrid or Barcelona on off peak dates. That’s just 68,000 miles round trip. You’d need to leave from New York or Boston to get this deal.

Most importantly, you’ll get 10% off all round trip Iberia flights. (Must book through a special website provided with your new card and be the one traveling.)

And then, when you spend $30,000 in a calendar year, you’ll get a voucher in the form of a code that can be applied by a Cardmember for a discount of $1,000 when purchasing 2 tickets, for the same flights in the same class of travel.

If you fly Iberia frequently, this airline credit card can be interesting, f not just for the 10% discount on Iberia flights. However, if you don’t fly Iberia frequently, there are going to be other credit cards that offer you more flexibility.

Keep in mind, if we are only talking about the value of the points you’ll earn from spend on the card, that the Chase Sapphire Reserve® Card also earns 3x Chase Ultimate Rewards credit card points on these airlines and on all airlines, hotels and other travel and can even be transferred to Avios if needed – as well as a range of other travel partners, like World of Hyatt which offers excellent and outsized value. A Chase Sapphire Preferred® Card would earn 2X Ultimate Rewards points on all travel.

hotels-iberia-visa-signature-credit-card

In short, the card will pay dividends for a frequent purchaser of Iberia tickets, but you may not want to be limited to Avios over a credit card with flexible and transferable points.

If you don’t primarily fly Iberia, you might want to look at other airline credit cards or bank cards with transferable points.

Keep in mind that Iberia Avios expire after 36 months of inactivity, though that won’t be a problem if you are spending on this credit card!

Note: You will only be approved for a Chase card like the Iberia Visa card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One Spark Miles and Discover, but are subject to the policy).

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
Trip Protections
yes
Purchase Protection
yes
Free Access to Credit Score
yes

Learn more about these cards today

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