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VS

Compare the Features and Benefits of Iberia Visa Signature® Card and
Southwest® Rapid Rewards® Performance Business Credit 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
Trip Protections
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Free Access to Credit Score
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Roadside Assistance
Free Checked Bags
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
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
Limited time offer! Earn 85,000 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
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Annual Statement Credits
no
Roadside Assistance
no
Free Checked Bags
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Annual Fee
$199
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 balance transfer, whichever is greater.
Best Multiplier
4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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 Southwest Rapid Rewards Performance Business Credit Card should be the go-to card for Southwest frequent travelers that own a small business. Don’t let the $199 annual fee scare you off. This card comes packed with perks that can easily justify that fee.

Southwest-specific perks include four Upgraded Boardings each year, virtually unlimited inflight WiFi passes, and the ability to spend toward A-List status. Plus cardholders get premium travel perks like a Global Entry or TSA PreCheck application fee statement credit.

Cardholders earn 4x Rapid Rewards points on Southwest Airlines purchases. That’s a higher rewards earning rate on Southwest purchases than you’ll find on any other Southwest credit card. Plus you’ll earn 3x points on Rapid Rewards hotel and car rental partners.

However, this card doesn’t just reward travel purchases. Cardholders earn 2x Southwest Rapid Rewards points on a wide range of purchases, including social media and search engine advertising; internet, cable, and phone services; transit and commuting, including ride-hailing services. Earn points on all other purchases at a rate of 1 Rapid Rewards point per dollar spent.

Enjoy Upgraded Boardings, free WiFi, and more on Southwest Airlines through the Southest Performance Business Card

Cardholders will earn 1,500 tier qualifying points toward A-List status for every $5,000 spent on purchases annually. While you probably don’t want to put that much spending on the card, you can conceivably spend all the way to A-List Preferred status by spending $470,000 on the card in a calendar year.

The only real downside to this card is the limited redemption options. The best way to redeem Rapid Rewards points is for Southwest flights. And since the Rapid Rewards structure is a fixed-value program, you won’t get more value from some flights than others. The good news is that means there are no blackout dates when you want to redeem points.

You can add employee cards for no additional cost, meaning you can be rewarded for employee spending. The card also offers up to a $500 statement credit for points transfers. That means you can transfer points to employees without additional cost.

Lastly, this card is great for getting more than halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
no
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Roadside Assistance
yes
Free Checked Bags
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes

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