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Chase · credit
Last updated
Is the Aer Lingus Visa worth keeping when the fee hits?
Welcome offer — 100,000 Avios after $5,000 spend in 3 months (offer cycles) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Aer Lingus, British Airways, Iberia & LEVEL Verified by source |
|---|---|
| 2× | Hotels booked direct Verified by source |
| 1× | Everything else Verified by source |
No lounge access.
| Baggage | Baggage delay up to $100/day (3 days) after a 6+ hr delay Inferred by source |
|---|---|
| Trip cancellation | Trip cancellation/interruption coverage Inferred by source |
| Rental car CDW | Auto rental collision damage waiver (secondary) Inferred by source |
Using Aer Lingus Visa at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Aer Lingus Visa Signature® Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Aer Lingus Visa Signature® Card returns about $0 in value against its $95 annual fee — a net of −$95 per year. It only makes sense if you value its perks beyond the listed credits.
The Aer Lingus Visa Signature® Card earns 3x on aer lingus, british airways, iberia & level, 2x on hotels booked direct, 1x on everything else.
No — the Aer Lingus Visa Signature® Card does not include airport lounge access.
No — the Aer Lingus Visa Signature® Card has no foreign transaction fee, so it's a good card to use abroad.
100,000 Avios after $5,000 spend in 3 months (offer cycles). Welcome offers change frequently — confirm the current one on the issuer's page before applying.