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Chase Freedom Flex vs Iberia Visa Signature

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Iberia Visa Signature 1.4% 1x base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Iberia Visa Signature 1.4% 1x base rate

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Iberia Visa Signature 1.4% 1x base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Iberia Visa Signature 1.4% 1x base rate

Hotels

  1. Iberia Visa Signature 2.8% 2x
  2. Freedom Flex 1.0% 1% base rate

Lyft

  1. Freedom Flex 2.0% 2%
  2. Iberia Visa Signature 1.4% 1x base rate

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

Iberia Visa Signature tops everything else at 1.4% only because this table values its points at 1.4 cents each. Value them at one cent and Freedom Flex wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Flex $0 and Iberia Visa Signature $95 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIberia Visa Signature1.4%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
HotelsIberia Visa Signature2.8%
LyftFreedom Flex2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Iberia Visa Signature — 1.4%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Iberia Visa Signature — 1.4%

Groceries

  1. Freedom Flex — 5.0%
  2. Iberia Visa Signature — 1.4%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Iberia Visa Signature — 1.4%

Hotels

  1. Iberia Visa Signature — 2.8%
  2. Freedom Flex — 1.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Iberia Visa Signature — 1.4%
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