Compare the Features and Benefits of Iberia Visa Signature® Card and
United℠ Business Card

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 40,500,000 point one way flight in Business Class to/from the Eastern US and Madrid or Barcelona on off peak dates. That’s just 81,000 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 4x Chase Ultimate Rewards credit card points on these airlines (if booked directly) 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.

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).

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first.

Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.

The annual fee is $150 (occasionally waived for the first year, based on the bonus offer being offered at the time, although the offers that waive the annual fee the first year also generally offer less miles.)

Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $125 United credit after purchasing five United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Then you have the rideshare benefits ($8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.) for up to $100 a year back and then perhaps less commonly used perks like the credits for FareLock, United Hotels, JSX, and Instacart.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn Premier Qualifying Points every year from spend (see the next paragraph for details). Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card – up to 4,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders.