Chase Sapphire Reserve® vs Iberia Visa Signature® Credit Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Iberia Visa Signature® Credit CardIberia Visa Signature® Credit Card

Chase

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Annual Fee
$795
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Avios
Point Value
2.00¢/pt
1.30¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
75,000 Avios after $5,000 in 3 months

Effective return by category

CategoryChase Sapphire Reserve®Iberia Visa Signature® Credit Card
Card Travel Portals16.00%
8x
1.30%
1x
Airfare8.00%
4x
1.30%
1x
Hotels & Lodging8.00%
4x
2.60%
2x
Dining & Restaurants6.00%
3x
1.30%
1x
Everything else2.00%
1x
1.30%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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Chase Sapphire Reserve® vs Iberia Visa Signature® Credit Card: Which Earns More? | PayWithThis