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  Iberia Visa Signature® card

Iberia Visa Signature® card

in Personal Credit Cards from Chase Bank

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Iberia Visa Signature® card

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Highlights
Purchase APR  (Variable APR) 15.99% - 22.99%
Balance Transfer APR  (Variable APR) 15.99% - 22.99%
Credit Score Range 650 - 850
Annual Fee $95

Iberia Visa Signature® card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether Iberia Visa Signature® card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 miles per dollar spent.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Iberia Visa Signature® card has a variable purchase APR that ranges from 15.99% up to 22.99%.
  • 5% Balance transfer fee. Iberia Visa Signature® card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Iberia Visa Signature® card
The Good The Bad
  • Get a 10% discount when useing your Iberia Visa Signature Card to book your flight on iberia.com/Chase10
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Iberia Visa Signature® card reports to multiple credit bureaus.
  • In order to receive $1,000 discount voucher annually, purchase of $30,000 on your card is required in a calendar year.
  • Charges an annual fee of $95
  • Charges a 5% balance transfer fee.
Iberia Visa Signature® card FAQ

Does Iberia Visa Signature® card have a cash back or rewards program?

Iberia Visa Signature® card is a travel rewards card.

Iberia Visa Signature® card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus $1000
Annual Loyalty Bonus Spend Requirement $30000

Does Iberia Visa Signature® card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does Iberia Visa Signature® card offer an annual loyalty bonus?

Yes, it offers cardholders an annual bonus worth up to $1000 after spending $30000.

What are the Iberia Visa Signature® card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Iberia Visa Signature® card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

Does Iberia Visa Signature® card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Iberia Visa Signature® card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Iberia Visa Signature® card?

The following fees apply:

Iberia Visa Signature® card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Iberia Visa Signature® card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Iberia Visa Signature® card?

The Iberia Visa Signature® card customer service number is (877) 242-7372.

Does Iberia Visa Signature® card report your account activity to credit bureaus?

Yes, Iberia Visa Signature® card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Iberia Visa Signature® card

  • Visit the Iberia Visa Signature® card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) Earn 1x Avios for every $1 spent on all other purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Airline Credit
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
Annual Loyalty Bonus $1,000
Annual Loyalty Bonus Spend Requirement $30,000
No Blackout Dates
Rewards Categories
  • Miles on Airfare
  • Miles on Hotels
  • Miles on Every Purchase
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 15.99% - 22.99%
Balance Transfer APR (Variable APR) 15.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

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