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Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like Cardratings.com. This compensation does not impact how or where products appear on this site. Travel on Point(s) has not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any partner entities.

Chase IAG Card Reviews

British Airways, Iberia, and Aer Lingus are part of the International Airlines Group and use a miles currency called Avios. Each of these airlines has their own Chase co-branded personal credit card with perks specific to each airline. We will compare each of these in our Chase IAG card reviews:

While the value of each card's benefits may vary, the generous welcome offer make these cards worth a look. Although each of British Airways, Iberia, and Aer Lingus have their own separate award charts, you can transfer Avios from one airline to the other. This means each airline presents valuable uses for their Avios and sweet spots, making Avios a currency worth having on hand. We'll take a look at the commonalities between the cards and the differences below.

Current Welcome Offers

These three cards often have the same welcome offer. Current offers are as follows:

Quidget_BA:

  • Quidget_BA_Bonus
  • This card has a annual_fees annual fee.

Quidget_Iberia:

  • Quidget_Iberia_Bonus
  • This card has a annual_fees annual fee.

Quidget_AerLingus:

  • Quidget_AerLingus_Bonus
  • This card has a annual_fees annual fee.

Chase Application Rules

Like other Chase cards, each of the of these co-branded cards is subject to Chase’s 5/24 rule. This means Chase will not approve you for any of these cards if you have opened 5 or more personal credit cards with any bank during the last 24 months.

Also, you cannot open an IAG personal card if you already have that card open or have received a welcome offer for that card in the past 24 months. This means, for example, that you cannot open a Quidget_BA if you already have one or received a welcome offer for it in the last 24 months. Each version of these IAG cards are considered different products though. So you can get a British Airways card and then get an Quidget_Iberia too.

Chase IAG Card Reviews: Earning Structure

All three Avios cards share the same earning structure.

  • 3 Avios for every $1 spent on British Airways, Iberia, and Aer Lingus flight purchases
  • 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel
  • 1 Avios for every $1 spent on all other eligible purchases

Benefits

Each of the cards offers a different set of benefits tied to its respective airline.

Quidget_BA:

  • Up to 3 reward flight statement credits, worth up to $600 total (statement credits are per reward flight booking, with economy and premium economy rewards receiving a $100 statement credit, and business and first class rewards receiving a $200 statement credit)
  • 10% discount on British Airways flights
  • Travel Together/Companion Ticket (each calendar year after spending $30,000)

Quidget_Iberia:

  • 10% discount on Iberia flights
  • $1,000 Airfare Discount Voucher (for two tickets) (each calendar year after spending $30,000)

Quidget_AerLingus:

  • Priority Boarding for you and any authorized users
  • Economy Companion Ticket (each calendar year after spending $30,000), valid for 12 months
Each card also includes the following benefits:
  • Baggage delay reimbursement for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
  • Lost luggage reimbursement: if you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger
  • No Foreign Transaction Fees

ToP Analysis

After stacking all three cards against each other, British Airways looks to be the best of the bunch.

British Airways Thoughts

The Quidget_BA offers some relief from BA's egregious taxes/surcharges on award tickets with the card's 3 reward flight statement credits. The statement credits are worth up to $600. However, we would much prefer a full $600 credit on taxes/surcharges without breaking the benefit into $100/200 increments. Also, British Airways cardholders can use Avios to pay for taxes/surcharges on redemptions as well.

Iberia Thoughts

The Quidget_Iberia is a close second, but could easily be the most valuable depending on your travel habits. The $1,000 discount voucher looks nice, but it only applies to the base fare. Couple that with the fact that you can't use this for a single ticket (it has to be for a pair of tickets), and it quickly becomes harder to use.

Aer Lingus Thoughts

The Quidget_AerLingus card offers the least valuable benefits and should only really be considered if you already hold the other two cards.

Thoughts For All 3

Unfortunately, almost all of the benefits look a lot better on the surface than they actually are. The companion ticket vouchers and 10% discount benefits on each card come with lots of conditions for use. The complexity of the benefits really diminishes their value. For example, the Aer Lingus card's companion ticket is valid for 12 months and you must book the trip 30 days before departure. It's critical to read and understand the terms of the benefits if they are influencing your decision to apply for any of these cards. It's easy to get lured by some of these benefits, but they are so specific that most won't get much or any use out of them.

The earn rate on these cards are also pretty weak. Since these airlines are all transfer partners of either Chase, American Express, or both, you can earn more with other cards and transfer as needed. As always, we at ToP highly recommend earning transferable currencies over specific airline miles in most cases.

Ultimately, these cards make the most sense for people who fly one of these particular airlines. If you often book British Airways awards, the credits towards taxes/surcharges could easily justify keeping this card. Same with the Iberia card, and even the Aer Lingus card.

ToP Thoughts

Despite these cards not getting the attention some of the more popular Chase cards, they definitely can be valuable. If you often fly any of the airlines, then it's worth seeing if these cards may save you some money.

What is your take on each of the three Chase co-branded IAG cards? Come share your thoughts in our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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