Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Travel
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 3 Avios per $1 on Iberia, British Airways, and Aer Lingus flights.
Earn 2 Avios per $1 on hotel accomodations booked directly with the hotel.
Earn 1 Avios per $1 on all other purchases.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseIberia3×
- Everything elseBritish Airways3×
- Everything elseAer Lingus3×
- TravelHotels2×
- Everything elseAll Purchases1×
Welcome offer
75,000 points
- Spend $5,000 in 90 days
- Est. value: $750 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Monthly DoorDash Credit$10/yr
DashPass members get up to $10 off monthly on non-restaurant DoorDash orders through Dec 31, 2027.
Benefits
- 10% Off Flights
Use your card to book your flight on iberia.com/chase10, and you will receive a 10% discount.
- $1,000 Discount Voucher
Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.
- Discount Voucher (earned)
$1,000 to use toward two tickets on the same flight.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.