Chase is currently offering a 75,000 Avios sign-up bonus across three co-branded cards: the British Airways Visa Signature, Iberia Visa Signature, and Aer Lingus Visa Signature. The structure is identical across all three. You spend \$5,000 in the first 3 months, you earn 75,000 Avios. That’s it.
If you’re not already familiar, Avios is the loyalty currency used by several major international airlines—British Airways, Iberia, Aer Lingus, Finnair, and Qatar Airways, among others. Avios can be transferred between these partners, which makes it more flexible than many other airline-specific point systems.
Now let’s break this down.
What Do You Get with the Current Avios Credit Card Offers?
Each of the Chase-issued Avios cards is offering:
- 75,000 Avios after spending \$5,000 within 3 months
- \$95 annual fee, not waived
- Bonus earning categories (identical across the three):
- 3x Avios on British Airways, Iberia, Aer Lingus, and LEVEL purchases
- 2x Avios on hotel bookings made directly with the hotel
- 1x on all other purchases
Those points alone—valued around 1.4 cents per point by multiple travel analysts—are worth roughly \$1,050 in travel value if used effectively. That’s not aspirational math. That’s grounded, baseline redemption through economy class bookings or short-haul sweet spots, especially with Iberia and British Airways.
Differences Between the Cards
These cards look the same on the surface. But each one includes different companion perks, aimed at encouraging bigger annual spend. Here’s what changes:
| Credit Card | Key Perk | \$30K Spend Bonus |
|---|---|---|
| British Airways Visa | 10% off BA flights via ba.com/Chase10 | Travel Together Ticket (used on Avios award flights only; must depart from US) |
| Iberia Visa | 10% off Iberia flights | \$1,000 Iberia discount voucher, valid for two travelers flying together |
| Aer Lingus Visa | Priority boarding on Aer Lingus | Companion ticket (economy only) after \$30K spend |
So if you tend to fly British Airways to London, that 10% discount could be a recurring value. If you’re Europe-based or travel often to Madrid or Dublin, the Iberia and Aer Lingus versions might offer more return. But that only matters if you’ll use the benefits. If not, pick whichever card earns the points.
How to Apply, and When It Makes Sense
You can apply online through the respective airline’s credit card landing page. But remember: these are Chase cards, which means they’re governed by Chase’s 5/24 rule. If you’ve opened five or more personal credit cards from any issuer in the past 24 months, you’ll be automatically denied, even with perfect credit.
Timing matters. If you’re under 5/24 and planning an international trip, grabbing 75,000 Avios now could be the best value you’ll find this year.
Also: if you’ve had one of these cards before, Chase won’t approve you again if you’ve received a bonus on it in the last 24 months.
Why Avios Are Worth Paying Attention To
Unlike many airline points programs, Avios has multiple transfer partners, plus distance-based pricing on certain routes that make short-haul flights especially cheap.
For example:
- Domestic American Airlines flights under 600 miles can cost as few as 6,000 Avios.
- Iberia off-peak flights from New York to Madrid in business class can go for 34,000 Avios + ~\$100 in taxes.
- You can combine Avios across programs via avios.com—so transferring from Iberia to British Airways to Qatar is possible in a few clicks.
This flexibility means you don’t have to fly just one airline to make your points useful. You can stack offers, shift points, and redeem across multiple carriers.
What Most People Get Wrong
The number one mistake people make with Avios cards is not learning the award chart nuances. For instance, British Airways charges high fuel surcharges on long-haul flights. That 75K welcome bonus? You could burn it on a New York–London flight and still owe \$650 in taxes and fees. That’s not good value.
But fly short-haul, or use Iberia or Qatar instead, and the fees drop dramatically.
Second mistake? Letting points sit unused. Avios expire after 36 months of inactivity. But activity means any transaction—earning or redeeming. So even a \$1 purchase on your card resets the timer.
Lastly, people forget to combine Avios. If you’re hoarding 40K on BA and 35K on Iberia, you can transfer them into a single account and redeem for something better. But it requires logging into avios.com—not the airline’s main site.
How to Combine These with Transfer Bonuses
Every so often, American Express and Chase offer transfer bonuses to Avios—often 20% to 30%. That means 10,000 Chase points could become 13,000 Avios during a promo window. If you time things right, you can stack those with your welcome bonus and effectively squeeze out 90,000–100,000+ Avios without spending beyond your usual card usage.
The current Amex → Avios bonus is 30% through July 15, 2025. If you have both an Amex MR-earning card and an Avios card, this is the window to transfer and book something valuable.
When to Skip It
If you never fly international airlines. If you don’t travel often. If you’re going to carry a balance and pay interest—this offer isn’t for you.
Also skip if you’re trying to stay under 5/24 for a bigger bonus card later (like Chase Sapphire Preferred or Capital One Venture X). Avios cards are best for travelers who can actually redeem Avios on a regular basis and know how to work the programs.
Summary Table: Key Avios Credit Card Offer Features
| Feature | British Airways | Iberia | Aer Lingus |
|---|---|---|---|
| Welcome Bonus | 75,000 Avios | 75,000 Avios | 75,000 Avios |
| Spend Requirement | \$5,000 in 3 months | \$5,000 in 3 months | \$5,000 in 3 months |
| Annual Fee | \$95 | \$95 | \$95 |
| 10% Flight Discount | Yes (BA only) | Yes (Iberia only) | No |
| Companion Perk | Travel Together Ticket after \$30K | \$1,000 voucher after \$30K | Economy ticket after \$30K |
| Priority Boarding | No | No | Yes |
| Transferability | Yes, to/from other Avios programs | Yes | Yes |
Bottom Line
The Avios credit card offer is worth grabbing if you know what to do with the points. Don’t apply blindly. Evaluate your travel plans, understand the partner network, and learn how to redeem Avios for maximum value. The current 75K bonus is one of the highest we’ve seen on these cards, and if used correctly, it can stretch surprisingly far.
Let me know if you want a breakdown of how to transfer Avios or redeem for specific routes—there are some seriously good uses most people miss.