Amex Business Gold vs Iberia Visa Signature: Which Is Better In 2026?

Iberia Visa Signature Breakdown

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Why We Like It

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Here’s a look at why we recommend the Iberia Visa Signature® Card.

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• It offers a flexible way to earn Avios, which can be redeemed for flights across the Oneworld alliance.
• Cardholders can enjoy valuable flight discounts and avoid foreign transaction fees on international purchases.
• The card features a healthy welcome offer to help you quickly accumulate a large number of Avios.

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Pros

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• Bonus rewards on purchases with select airlines and hotels.
• Annual discount voucher for companion travel on Iberia flights.
• Includes a suite of travel and purchase protections.

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Cons

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• Lacks common airline card perks like free checked bags, despite carrying an annual fee.
• Redeeming rewards can be cumbersome due to a clunky website, and points can expire after a period of inactivity.

Iberia Visa Signature vs American Express® Business Gold Card

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Categories

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When deciding which is better Amex Business Gold or Iberia Visa Signature, it's essential to understand the distinct purpose each card serves.

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• American Express® Business Gold Card: This card is a versatile business tool best suited for business owners and entrepreneurs who want to maximize rewards on various business expenses.
• Iberia Visa Signature® Card: This card is an international airline cobranded credit card designed for travelers who frequently fly with Iberia or its partner airlines.

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Redemption

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American Express® Business Gold Card: Cardholders earn flexible points that can be redeemed for a wide variety of rewards, including travel, gift cards, or statement credits. This versatility allows businesses to use rewards in a way that best suits their current needs.

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Iberia Visa Signature® Card: Points earned with this card are primarily redeemed for flights on Iberia and its partner airlines. This makes it ideal for travelers looking to directly offset the cost of future airfare.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, a tool like Kudos can help you compare top-rated cards using your own spending data for a personalized recommendation.

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• Test drive credit cards to see your potential earnings based on your actual spending history before you apply.
• Receive detailed approval odds based on your credit report.
• Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Unlock a $100 Kudos Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Earn extra rewards with Kudos Boost when you shop at participating stores.
• Track your spending, monitor your credit score, and get personalized card recommendations.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is tailored for growing businesses with variable expenses and at least $50,000 in annual spending. Its key feature automatically awards 4X Membership Rewards® points on the top two spending categories each billing cycle—from a list that includes advertising, shipping, and gas—making it ideal for companies that want to maximize rewards without manual tracking. This structure is best for businesses whose spending is high enough to offset the $375 annual fee and can consistently take advantage of the bonus categories, though the 4X rate is capped at $150,000 in combined purchases annually, after which earnings drop to 1X point per dollar (Terms Apply).

Who Should Choose the Iberia Visa Signature?

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The Iberia Visa Signature® Card is tailored for U.S.-based travelers who frequently fly with Iberia or its Oneworld alliance partners and want to maximize their Avios earnings. It's particularly valuable for those looking to redeem Avios for short-haul trips or premium cabin flights to Spain and other international destinations. As the sole cobranded Iberia card available in the U.S., it's an excellent choice for Avios enthusiasts who want the flexibility to transfer points between partner airlines like British Airways and Qatar Airways.

Alternatives to Consider

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After our Amex Business Gold vs Iberia Visa Signature comparison, you might find that neither card quite meets your needs. Fortunately, there are several other excellent travel and business rewards cards to consider.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score to see if you meet the general recommendation for approval.
• Review issuer application rules, such as Chase’s 5/24 rule, that may impact your eligibility.
• Assess your spending habits to ensure they align with the card’s reward categories for maximum value.

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Application Strategy

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• Time your application strategically before a large planned purchase.
• Look for the best offer and be patient if you don't see it right away.
• Target specific card types that align with your profile, such as business cards or co-branded airline cards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer points from the American Express® Business Gold Card to Iberia?

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Yes, you can transfer American Express Membership Rewards® points earned with the American Express® Business Gold Card to Iberia Plus. This is a great way to top off your Avios balance for a specific award flight (Terms Apply).

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Which card is better for earning rewards on everyday business spending?

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The American Express® Business Gold Card is generally better for diversified business spending, as it offers bonus points on your top two eligible spending categories each month. The Iberia Visa Signature® Card is more specialized, focusing rewards on purchases made directly with Iberia, British Airways, and Aer Lingus.

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Is the Iberia Visa Signature® Card subject to the Chase 5/24 rule?

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Yes, as a co-branded Chase credit card, the Iberia Visa Signature® Card is typically subject to Chase's unstated 5/24 rule. This means your application may be denied if you have opened five or more personal credit cards from any bank in the last 24 months.

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