0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Avios
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Aer Lingus, British Airways, Iberia, and LEVEL purchases; 2x Hotel accommodations (direct bookings)
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Avios expire after 36 months of inactivity (no earning or spending).
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: British Airways Executive Club, Iberia Plus, Qatar Airways Privilege Club (via Avios transfer)
Redemption Penalties: Standard airline change/cancellation fees may apply depending on fare class and program rules.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING100,000
Points/MilesRequirement: Spend $20,000 in 360 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Aer Lingus Visa Signature Card is subject to Chase's standard application rules. Key requirements include: 1. **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit cards (from any issuer) in the past 24 months. 2. **Bonus Eligibility**: Applicants are generally ineligible for the new cardmember bonus if they currently hold the Aer Lingus Visa Signature card or have received a new cardmember bonus for this specific card in the past 24 months. 3. **Creditworthiness**: Requires excellent credit history, a strong credit score (typically 700+ FICO), and sufficient income to support the credit line. 4. **Application Velocity**: Chase may deny applications if an applicant has opened too many cards recently (e.g., 2 cards in 30 days across all Chase products).
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Bonus eligibility for the Aer Lingus Visa Signature Card is typically restricted to one bonus per card product every 24 months. This means if you currently hold the card or have received a bonus for it within the last 24 months, you will not be eligible for a new sign-up bonus.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Generous sign-up bonus, valuable Avios earning for Aer Lingus flights, free checked bags, and priority boarding benefits for frequent travelers.
Top Negative:
High annual fee may not be justified for infrequent Aer Lingus travelers, limited redemption flexibility outside of Avios, and potentially lower earning rates on general spending.
Approval Experience: 78.0 / 100
Recommended Alternatives
- British Airways Visa Signature Card
- Iberia Visa Signature Card
- Chase Sapphire Preferred Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $325.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: February 2024