| Card | Iberia Visa Signature Card | United Explorer | American Express Gold Delta |
| Welcome Bonus | Earn a total of 100,000 points after $20,000 spent within the first year. | Earn 40,000 points after $2,000 spent within the first 3 months. | Earn up to 50,000 miles after $2,000 spent within the first 3 months. Expires 10/28/20. (terms apply). |
| Annual Fee | $95 | $95 | First year $0, then $99 |
| Rewards | - 3 Avios points on Iberia, Aer Lingus, and British purchases
- 2 Avios points on hotels
- 1 Avios point everywhere else | - 2 points on purchases by United Airlines, restaurants, and hotels
- 1 point everywhere else | - 2 points on Delta purchases restaurants, and U.S. supermarkets
- 1 point everywhere else |
| Upgraded Status | | Premier upgrades on United flights (only for Mileage Plus Premier members) | |
| Free Baggage | | First checked bag free for you and one companion on United flights. Plus receive a free carry on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation. | First checked bag free for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your Skymiles on your reservation. |
| Credits | Receive a $1,000 voucher after you spend $30,000 in a calendar year. The voucher can be used for a $1,000 discount when you purchase two tickets on the same flight
Receive 10% off on flights booked here iberia.com/Chase10Opens | | Earn $100 Delta flight credit after $10,000 spent within a calendar year |
| Extra Redemption Value | | Expanded Award Availability on United Flights when booking award flights | Pay with miles program, get a minimum of 1 cent per mile on delta flights |
| Global Entry and TSA pre-check | | Statement credit for Global Entry or TSA Pre-Check every 4 years. | |
| No Foreign Transaction Fee | None | None | None |
| Lounge Access | | Receive 2 annual free United Club lounge passes | |
| Trip Cancellation Insurance | | Coverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $1,500 per person for a max of $6,000 per trip. | |
| Auto Rental Collision Insurance | Secondary worldwide coverage on rentals up to 31 days | Primary worldwide coverage on rentals up to 31 days | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). |
| Travel Accident Insurance | Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. | Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return. | |
| Lost Luggage Reimbursement | Up to $3,000 per person for lost or damaged luggage | Up to $3,000 per person for lost or damaged luggage | Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents) |
| Trip Delay Reimbursement | | If your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items | |
| Extended Warranty Protection | Get up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account. | Get up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. |
| Purchase Protection | Get refunded if your purchase is damaged, lost, or stolen for up to 120 days from the date of purchase. Max $500 per claim $50,000 per account | Get refunded if your purchase is damaged or stolen for up to 120 days from date of purchase. Max $10,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year) |
| Authorized User Fee | $0 | $0 | $0 |
| Luggage Delay Insurence | If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing up to 3 days. | If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing up to 3 days. | |
| Priority Boarding | | Priority boarding on United flights | Priority boarding on Delta flights |
| Inflight Savings | | Receive 25% back (statement credit) on United in flight purchases of wifi, food and drinks | Get a 20% discount on in flight purchases |
