United℠ Gateway vs Iberia Visa Signature® Card
Side-by-side comparison
| United℠ Gateway | Iberia Visa Signature® Card | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | Up to 40,000 bonus miles | 75,000 Avios |
| Dining | 1x | 1x |
| Groceries | 1x | 1x |
| Gas | 2x | 1x |
| Travel | 1x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $320 | $328 |
| Points type | Locked to United MileagePlus | Locked to Avios |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the United℠ Gateway earns about $320 a year in rewards and the Iberia Visa Signature® Card about $328, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The Iberia Visa Signature® Card charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United℠ Gateway delivers more total value, about $88 a year more for a typical spender, mostly because it earns more where you spend most, on gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Iberia Visa Signature® Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Gateway if your spending leans toward gas. Pick the Iberia Visa Signature® Card if your spending leans toward travel.