Aer Lingus Visa Signature® Card vs Bilt Blue
Side-by-side comparison
| Aer Lingus Visa Signature® Card | Bilt Blue | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 75,000 Avios | $100 in Bilt Cash on account opening |
| Dining | 1x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $328 | $310 |
| Points type | Locked to Avios | Transfers to airlines & hotels |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Aer Lingus Visa Signature® Card earns about $328 a year in rewards and the Bilt Blue about $310, valuing every point at a flat 1 cent. The Aer Lingus Visa Signature® Card charges $95, which you clear through its rewards and perks. The Bilt Blue has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Bilt Blue delivers more total value, about $127 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the Bilt Blue earns points you can move to travel partners for outsized value, while the Aer Lingus Visa Signature® Card stays locked to a single airline or hotel program. Favor the Bilt Blue if you will use travel transfers, the Aer Lingus Visa Signature® Card if you want simplicity. On the sign-up bonus, the Aer Lingus Visa Signature® Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Aer Lingus Visa Signature® Card if your spending leans toward travel.