Iberia Signature vs Sapphire Reserve
Iberia Signature
$95/yr
6.5/10
VS
Sapphire Reserve
$795/yr
7.0/10
Quick Answer
Iberia Signature charges $95/yr with 1X base rewards. Sapphire Reserve charges $795/yr with 1X base rewards. Iberia Signature offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Iberia Signature
Lower annual fee ($95 vs $795)
Rewards Earning
Sapphire Reserve
5 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 0
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Sapphire Reserve
Transferable points to airline/hotel partners
OUR PICK
Iberia Signature wins for most people
The $700 fee difference is hard to justify unless you maximize premium benefits.
Apply for Iberia SignaturePREMIUM PICK
Sapphire Reserve wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire ReserveRewards Earning: Detailed Comparison
Iberia Signature
| Iberia, British Airways, Aer Lingus, Vueling | 3.0X |
| Hotels | 2.0X |
| Everything else | 1.0X |
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Iberia Signature (0 benefits)
See full review for benefits details.
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status