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Ad Disclosure

Aer Lingus Visa Signature Review

Aer-Lingus-Visa-Signature

Rating: 4 Stars

Bottom Line:
For Aer Lingus Travelers and People Who Transfer Avios

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

TABLE OF CONTENTS

  • Card Details
  • Offer Highlights
  • Is Aer Lingus Visa Signature worth it?
  • Pros
  • Cons
  • Why 4 Stars?
  • Regular APR
  • Intro APR
  • Fees
  • Perks
  • Overall
  • Fees
  • Benefits

Card Details

Regular APR:17.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 3 Avios per $1 spent on Aer Lingus, British Airways, Iberia and LEVEL

Earn 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel

Earn 1 Avios for every $1 spent on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$95
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening
  • Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening
  • Earn 3 Avios per $1 spent on Aer Lingus, British Airways, Iberia and LEVEL, 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel, and 1 Avios for every $1 spent on all other purchases
  • 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.*
  • Any cardmember and authorized user will be eligible for priority boarding on any Aer Lingus flight departing the US and returning to the US from Ireland.

Is Aer Lingus Visa Signature worth it?

Aer Lingus Visa Signature is a great travel card for frequent Aer Lingus travelers who travel between the US and Ireland at least once per year. Travelers receive a free companion ticket valid for 12 months once they spend $30,000 within one year of account opening.

Pros

  • 50,000 Avios after $3,000 in purchases in first 90 days of account opening and additional 50,000 Avios after $20,000 in purchases in first year of account opening
  • Avios points can be used on Aer Lingus, British Airways and Iberia
  • Free economy companion ticket after $30,000 in purchases

Cons

  • Companion ticket is only valid on flights between the US and Ireland
  • 1x rewards rate on all other purchases is not a competitive rate

Why 4 Stars?

Regular APR

The regular APR varies from 17.74% ? 24.74%. It’s not the lowest APR, but for a travel card it’s ok.
4 Stars

Intro APR

There’s no intro APR. This is not unusual for a travel card, but it doesn’t help.
4 Stars

Fees

No foreign transaction fee is a must for a travel card, but for a $95 annual fee, you have to make sure you use the travel rewards on a flight that routes through Ireland, or transfer the points to Aer Lingus parter airlines through AerClub, which is Aer Lingus’ loyalty program and partner airline alliance. The penalty APR and high 5% balance transfer and cash advance fee doesn’t help either.
4 Stars

Perks

The points you earn are called Avios, and Avios has a nice perk called Part Pay, where you can pay with points and cash on regular flights. This gives you a bigger pool of flights to book than just being confined to the reward flight availability, but the points aren’t worth as much. One strange perk is called Upgrade Yourself, where you can bid on a seat upgrade. However, there is a customer report that Aer Lingus bumps you if they can resell your upgraded ticket, so you take the risk that you end up on a partner airline with their version of the upgrade.

The free companion ticket is a nice perk, but it requires $30,000 in spend and it’s only valid on flights between the U.S. and Ireland. With all these bittersweet perks, it can be tough to decide how useful this card really is. Avios are valuable though, and when you just look at the point earning potential, Aer Lingus Visa Signature gives you an easy way to earn Avios at a 3x rate if you purchase Aer Lingus, British Airways, Iberia or LEVEL travel. That alone is worth a lot.
5 Stars

Overall

It’s a niche card, with a smaller set of partner airlines than other cards, but if you can redeem your Avios for travel, Aer Lingus Visa Signature is worth it. It’s certainly not for everybody.
4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee5% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRUp to 30.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Aer Lingus Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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