Chase
Aer Lingus Visa Signature Credit Card
Key Features
| Annual Fee | $95.00 |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Other Fees | No foreign transaction fees on card purchases |
| Network | Visa |
About this card
After a thorough evaluation of the Aer Lingus Visa Signature Credit Card, the overall rating is 2.6 out of 5.0. This card presents a mixed bag of strengths and weaknesses, making it suitable only for a specific segment of travelers. The APR rating (1.3/5.0) is a significant drawback, as the high interest rates diminish the card's value for anyone who carries a balance. The rewards program (3.1/5.0) offers decent value for Aer Lingus loyalists, especially with the sign-up bonus and elevated earning rates on partner airlines and hotels; however, its lack of flexibility compared to general travel cards limits its appeal. The fees rating (3.0/5.0) is reasonable, with no foreign transaction fees, though the $95 annual fee necessitates substantial spending to unlock the card's full potential. The strong reputation of Chase as the issuer provides some reassurance (4.0/5.0 based on the included reputation analysis). However, this is offset by user reviews that describe it as mediocre. Overall, the card is best suited for frequent Aer Lingus flyers who can take advantage of the sign-up bonus, companion ticket (if they meet the high spend requirement), and avoid carrying a balance. For the average consumer, its limited rewards categories and high APR make it a less attractive option.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Luxury perks
- Priority boarding
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Rewards
- Earn 3 Avios for every $1 spent with Aer Lingus, British Airways, and Iberia flight purchases.
- Earn 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel.
- Earn 1 Avios for every $1 spent on all other purchases.
Other features
- Economy Companion Ticket each year
- Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive an economy companion ticket good for 12 months.
- Priority Boarding for you and any authorized users
- You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
- No foreign transaction fees on card purchases
- Baggage Delay Insurance Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Extended Warranty Protection Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Contactless - Just Tap To Pay For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Spend Instantly Apply for a card, use it the same day Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- DoorDash Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Chase Pay Over Time After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
Additional Notes
Aer Lingus credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.