Aer Lingus Visa Signature® card

Aer Lingus Visa Signature® card Review

This is a rewards card issued by Chase Bank. If you're wondering whether Aer Lingus Visa Signature® card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 5 miles per dollar spent.
• Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 20.24% up to 27.24%.
• 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 660.

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 No foreign transaction fee. 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. 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	5x
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	75000
Signup Bonus Spend Requirement	$5000
Signup Bonus Spend Period (months)	3 months

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. This card has higher than average regular APRs.

Aer Lingus Visa Signature® card has a variable purchase APR that ranges from 20.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 20.24% up to 27.24%. It also has a variable cash advance APR starting at 29.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

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
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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.