Credit Cards » Credit Card Reviews » Aer Lingus Visa Signature Card Review (2023)
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Aer Lingus Visa Signature Card Review (2024)

The Aer Lingus card offers priority boarding and an option for a companion ticket, but there are better airline cards for the same annual fee
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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Aer Lingus Visa Signature Card

Air Lingus review

Rewards Plan

1X – 3X 3 Avios for every dollar on Aer Lingus, Iberia and British Airways, 2 Avios per dollar on direct hotel accommodations and 1 Avios for all other purchases

Welcome Bonus

75,000 Avios 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$95

APR

21.49%–28.49% variable
Aer Lingus Visa Signature Card

Air Lingus review

Rewards Plan

1X – 3X 3 Avios for every dollar on Aer Lingus, Iberia and British Airways, 2 Avios per dollar on direct hotel accommodations and 1 Avios for all other purchases

Welcome Bonus

75,000 Avios 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening

0% Intro

N/A

PROS

CONS

APR

21.49%–28.49% variable

Annual Fee

$95

Balance Transfer Fee

$0

Credit Requirements

Good - Excellent

The Aer Lingus is a co-branded credit card, offering some nice benefits for regular flyers with the airline. Although the benefits package is not as comprehensive compared to some other airline cards, it does have the potential to enhance your travel experience. 

The Aer Lingus Visa Signature card provides travel perks such as priority boarding, a free checked bag, and discounted access to airport lounges. Cardholders also receive a companion ticket each year when they meet the spending threshold.

However, if you don’t tend to fly Aer Lingus more than once or twice a year, you may be better suited to a more general travel card. For example, the Citi Premier card has a similar annual fee, but you can earn rewards for everyday purchases including supermarkets, restaurants and gas stations, along with hotels and air travel. You can also receive annual statement credit against hotel stays.

  • Companion Ticket Upon Requirements
  • Priority Boarding
  • Baggage Insurance
  • Purchase Protections
  • DashPass
  • No Lounge or Baggage Perks
  • Lackluster Rewards
  • Limited Reward Flexibility
  • High Spending Needed for Companion Pass

What are card income requirements?

There are no official income requirements for the card, but in addition to needing good to excellent credit, Chase will assess your income to ensure that you have sufficient disposable income to support a new card.

Can I get pre-approved?

Chase does typically offer pre approval for its cards. You can sign in as a customer or a guest to check if you qualify for this or other Chase cards. Alternatively, you may receive a mailer or other promotional material with a pre approval code for the Aer Lingus Visa Signature.

Does the card provide car rental insurance?

Although the Aer Lingus card does offer car rental discounts due to it being a Visa Signature card, it does not have car rental insurance.

In this Review

Estimating Your Rewards: A Practical Simulation

Check out the table below to see how using the Aer Lingus Card could earn you rewards. It's a simulation that estimates the benefits based on your everyday spending in different categories.

Remember, this table is just an estimate, so your actual rewards may differ depending on your personal spending habits and other factors. But it can give you an idea of the card's potential advantages.

Air Lingus review

Spend Per Category
Aer Lingus Visa Signature Card
$10,000 – U.S Supermarkets
10,000 Avios
$3,000 – Restaurants
3,000 Avios
$5,000 – Airline
15,000 Avios
$4,000 – Hotels
8,000 Avios
$4,000 – Gas
4,000 Avios
Estimated Annual Avios
40,000 Avios

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Pros and Cons

Just like any other credit card, the Aer Lingus credit card has some advantages and disadvantages:

Pros
Cons
Companion Ticket Upon Requirements
No Lounge or Baggage Perks
Priority Boarding
Lackluster Rewards
Baggage Insurance
Limited Reward Flexibility
Purchase Protections
High Spending Needed for Companion Pass
DashPass
No Foreign Transaction Fees

Each calendar year, if you make purchases of at least $30,000 with your card, you’ll receive a companion ticket. The ticket can be used on travel originating in and returning to the US on economy fares between the US and Ireland.

The certificate is valid for 12 months and there are no restrictions, travel blackout dates, or surcharges on this ticket.

You and any authorized users on the account can enjoy priority boarding on Aer Lingus flights between the U.S and Ireland. 

You just need to show your Aer Lingus Visa Signature card when you’re at the gate to enjoy priority boarding, subject to availability.

If your bags are delayed by your passenger carrier for over six hours, you can benefit from up to $100 per day for three days to reimburse you for essential purchases.

This includes clothing, toiletries and other essentials while you’re waiting to be reunited with your bags. If your bags are lost or damaged, there is up to $3,000 per passenger for you and your immediate family members.

You won't be charged any fees for making purchases abroad with the Aer Lingus Signature Card.

When you use your card to pay for purchases, your items are covered for 120 days against theft or damage. The policy has a coverage limit of $500 per claim and $50,000 per account.

Eligible items can also benefit from an extended warranty. This extends the U.S manufacturer’s warranty period for an additional year.

This card offers a one year complimentary Dash Pass, so you can enjoy unlimited deliveries with lower service fees and $0 delivery fees on eligible orders.

Unlike many co-branded credit cards, the Aer Lingus Visa Signature does not offer any baggage or lounge perks.

This means that even if you’re flying Aer Lingus, you won’t get any additional free checked bags.

Outside of the airline, the rewards for this card are a little lackluster, especially compared to other Chase travel cards.

If you’re interested in maximizing rewards, you are likely to find that there are far more generous reward cards that are not tied to a particular brand.

You can only redeem your rewards for limited use on domestic flights. Although there are partner airlines, only American Airlines and Alaska airlines offer domestic itineraries.

For example, you can get access to more than 20 partners if you redeem AAdvantage miles.

You need to spend $30,000 per year to receive a companion pass. Additionally, the companion pass can only be used for economy tickets.

Other cards in the same category, such as the Alaska Airlines Visa credit card, offer a companion pass with much less spend requirements.

Who Should Consider The Aer Lingus Card?

Since this is a co-branded card, it is obviously designed for those who are brand loyal or frequently fly with Aer Lingus. You can accumulate Avios for award flights, receive priority boarding and qualify for a companion pass. This can enhance your travel experience and accumulate rewards for award flights.

The Aer Lingus Visa Signature could also be a good fit if you want access to a suite of travel insurance coverage with a minimal annual fee. All you need to do is pay for your fares, accommodation or other travel expenses with your card and your coverage will kick in.

If you would like to check other airline cards in the same category, here are some alternatives:

Card
Rewards
Annual Fee

Delta SkyMiles Gold American Express Card Review

1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
$150, $0 intro first year (Rates & Fees)

1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
$99 (waived for the first 12 months)
Iberia Visa Signature card
1x – 5x 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening. 3 Avios for every dollar on Iberia direct purchases, 2 Avios for hotel accommodations and one Avios for all other purchases
$95

southwest_rapid_rewards_premier_art

1X – 3X 3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.
$99

jetblue plus card

1X – 6X 6X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases
$99
united explorer
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
$95 ($0 first year)

FRONTIER Airlines World Mastercard® review

1x – 5x 5x miles per dollar on purchases at flyfrontier.com, 3x miles per dollar at restaurants and 1x miles on all other purchases
$89

Tips for Using the Aer Lingus Card

To make the most of your airline and travel credit card, here are the key strategies to maximize your benefits:

While this is not the most generous reward card for travel purchases, if you use your card for your fares, the insurance will kick in. This includes delayed, lost or damaged check in or carry on bags.

This card offers a complimentary one year DashPass, but the benefit is not automatic. You need to register for your DashPass as soon as you receive your new card.

Although this card does not provide large rewards for everyday purchases, you can enjoy purchase protections on the items bought with your card.

This includes coverage against theft or damage for 120 days after purchase and for eligible items, extended warranties.

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FAQs

Aer Lingus has an award chart with flight pricing determined by the distance or number of miles flown. There are six pricing tiers, with peak and off peak pricing.

If you’re thinking about redeeming your rewards, you can explore the flight options on the Avios website. If you find a flight, you can see the reward cost before you book as normal or call the Aer Lingus helpline.

You do need to have good to excellent credit to qualify for the Aer Lingus Visa Signature card. Additionally, the card is subject to Chase’s 5/24 rule. This means that regardless of your credit, if you’ve opened up five new credit card accounts within the last 24 months, your application will be declined.

This card is not a good idea if you don’t fly with Aer Lingus on a regular basis. You should take at least two or three Aer Lingus flights per year to leverage the value of this card. If you don’t fly this frequently, you may be better with a general travel credit card.

The card may also not be the right choice for you if you don’t tend to spend a lot with your card, since you need spending of at least $30,000 per year to qualify for a companion ticket.

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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