Aer Lingus Visa Signature® Card
Basic Information
Program ID: aer-lingus-visa-signature-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 12:59
Last Scraped: 01/15/2026 13:01
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $20,000.00
Time Period: 360 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Avios
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Aer Lingus, British Airways, Iberia, and LEVEL purchases; 2x Hotel accommodations (direct bookings)
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Avios expire after 36 months of inactivity (no earning or spending).
Transfer Partners: British Airways Executive Club, Iberia Plus, Qatar Airways Privilege Club (via Avios transfer)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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).
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Chase products, rapid application velocity, frequent balance transfers without genuine spending, abuse of sign-up bonuses, or suspicious account activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Generous sign-up bonus, valuable Avios earning for Aer Lingus flights, free checked bags, and priority boarding benefits for frequent travelers.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: February 2024