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  Aer Lingus Visa Signature® card

Aer Lingus Visa Signature® card

in Personal Credit Cards from Chase Bank

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Aer Lingus Visa Signature® card

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in Personal Credit Cards from Chase Bank

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Highlights
Purchase APR  (Variable APR) 17.49% - 24.49%
Balance Transfer APR  (Variable APR) 17.49% - 24.49%
Credit Score Range 670 - 850
Annual Fee $95

Aer Lingus Visa Signature® card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether Aer Lingus Visa Signature® card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 miles per dollar spent.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 24.49%.
  • 5% Balance transfer fee. Aer Lingus Visa Signature® card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Aer Lingus Visa Signature® card
The Good The Bad
  • Commercial Companion Ticket each year. ($30,000 purchases made required in a calendar year in order to receive it)
  • Priority Boarding for you and any authorized users.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Aer Lingus Visa Signature® card is accepted.
  • Aer Lingus Visa Signature® card reports to multiple credit bureaus.
  • In order to receive Commercial Companion Ticket, $30,000 purchase made a year on the card is required.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 5% balance transfer fee.
Aer Lingus Visa Signature® card FAQ

Does Aer Lingus Visa Signature® card have a cash back or rewards program?

Aer Lingus Visa Signature® card is a travel rewards card.

Aer Lingus Visa Signature® card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Aer Lingus Visa Signature® card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does Aer Lingus Visa Signature® card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Aer Lingus Visa Signature® card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Aer Lingus Visa Signature® card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

Does Aer Lingus Visa Signature® card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Aer Lingus Visa Signature® card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Aer Lingus Visa Signature® card?

The following fees apply:

Aer Lingus Visa Signature® card Fees
Fees Amount
Annual Fee $95
Returned Payment Fee up to $39
Late Payment Fee up to $39

What is the customer service phone number for Aer Lingus Visa Signature® card?

The Aer Lingus Visa Signature® card customer service number is (877) 242-7372.

Does Aer Lingus Visa Signature® card report your account activity to credit bureaus?

Yes, Aer Lingus Visa Signature® card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Aer Lingus Visa Signature® card

  • Visit the Aer Lingus Visa Signature® card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) 1x Avios for every $1 spent on all other purchases.
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
No Blackout Dates
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 17.49% - 24.49%
Balance Transfer APR (Variable APR) 17.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

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