Aer Lingus Visa Signature® Credit Card
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How we calculate effective rate →
The Aer Lingus Visa Signature® Credit Card from Chase earns up to 1.3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening..
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Aer Lingus Visa Signature Credit Card earn in each category?
Dining is the strongest category at 1.3% effective value (1x miles at about 1.3 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Aer Lingus Visa Signature Credit Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.3% effective value (1x miles at about 1.3 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Aer Lingus Visa Signature Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.3% |
| Gas Gas stations and fuel | 1x miles | 1.3% |
| Travel Flights, hotels, transit | 1x miles | 1.3% |
| Other General everyday spend | 1x miles | 1.3% |
Madeen values Aer Lingus AerClub Avios at about 1.3 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Aer Lingus Visa Signature Credit Card?
The Aer Lingus Visa Signature Credit Card fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
Aer Lingus Visa Signature Credit Card fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Aer Lingus AerClub Avios value depends on how you redeem, not straight cash back.
What is the Aer Lingus Visa Signature Credit Card welcome bonus?
In Madeen's catalog snapshot, the Aer Lingus Visa Signature Credit Card welcome offer is Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k Aer Lingus AerClub Avios (~$938 estimated)
- Terms (catalog snapshot)
- Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
- Minimum spend
- $5,000
- Window
- 3Months
Does the Aer Lingus Visa Signature Credit Card have an annual fee?
The Aer Lingus Visa Signature Credit Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the Aer Lingus Visa Signature Credit Card?
The Aer Lingus Visa Signature Credit Card includes Baggage Delay Insurance, Booking.com, Commercial Airline Companion Ticket each year in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Related encyclopedia topics
What annual spend bonuses does the Aer Lingus Visa Signature Credit Card offer?
- Commercial Airline Companion Ticket each year - 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
Common questions about the Aer Lingus Visa Signature Credit Card
Does the Aer Lingus Visa Signature Credit Card have an annual fee?
The Aer Lingus Visa Signature Credit Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Aer Lingus Visa Signature Credit Card?
Dining is the strongest Madeen category for the Aer Lingus Visa Signature Credit Card at about 1.3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Aer Lingus Visa Signature Credit Card charge foreign transaction fees?
The Aer Lingus Visa Signature Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Aer Lingus Visa Signature Credit Card welcome bonus?
The Aer Lingus Visa Signature Credit Card welcome offer in our snapshot: Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Aer Lingus Visa Signature Credit Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Aer Lingus Visa Signature Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Aer Lingus Visa Signature Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Aer Lingus Visa Signature Credit Card compare to similar cards?
Compare the Aer Lingus Visa Signature Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Aer Lingus Visa Signature Credit Card This card | Dining | 1.3% | $95 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure