Aer Lingus Visa Signature® Card
A $95-a-year airline card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Aer Lingus Visa is another Avios-earning card, essentially a sibling of the British Airways and Iberia cards, since all three earn the shared Avios currency. It leans toward travelers who fly Aer Lingus to Europe, but the Avios themselves work across the whole ecosystem.
As with the other Avios cards, you can earn this currency through flexible-points transfers, so the co-brand card is really for dedicated Avios collectors after the welcome bonus.
Think twice if: you do not specifically collect Avios, since flexible-points programs can feed the same currency.
Our 5.8 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn well on Aer Lingus purchases and travel, in shared Avios. Their value depends on redeeming smartly, particularly on short-haul and partner awards, so this suits someone with an Avios plan rather than an everyday spender.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | Bonus category |
| Everything else | 1x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Earns Avios, shared across several airlines
- Large 75,000-Avios welcome bonus
- Useful for Aer Lingus flights to Europe
- Avios locked to that airline ecosystem
- You can earn Avios via flexible-points transfers instead
- $95 annual fee
The welcome bonus
The welcome bonus is strong: 75,000 Avios after $5,000 in three months, a big haul and the main reason to get the card.
Is it worth the annual fee?
The $95 fee is reasonable for an active Avios collector, and Aer Lingus cards carry a companion-style perk at high spend. Without an Avios strategy, though, the fee is hard to justify.
First-year value vs ongoing value
| Welcome bonus | 75,000 Avios |
| To earn it | $5,000 in 3 months |
| Est. first-year value* | $983 |
| Est. ongoing value / yr* | $233 |
The welcome bonus makes year one the high point: roughly $983 in value once you count the bonus, this card’s rewards, and its credits, minus the $95 fee. After that, the honest figure is about $233 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Reward flight statement credits (up to $100 economy, $200 business) up to 3x a year
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you collect Avios and fly Aer Lingus or its partners, this card is a solid way to build a balance, and the welcome bonus is generous.
If you have no Avios plan, you can earn the same points through transferable cards with more flexibility. This is a card for collectors, not casual flyers.
Alternatives to the Aer Lingus Visa Signature® Card
Pairs well with
The Aer Lingus Visa Signature® Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Aer Lingus Visa Signature® Card lands.
Calculate My CardOffer details verified against issuer sources as of November 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
