Chase
Aer Lingus Visa Signature Card
Annual Fee
$95
Bonus Value
$1,050
Min Spend
$5K/3mo
Current Welcome Offer
75,000
Avios — worth ~$1,050
Spend $5,000 in 3 months
Verified from issuer
Last checked May 14
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Key facts
| Annual fee | $95 |
|---|---|
| Welcome bonus | 75,000 Avios after $5,000 spend in 3 months |
| Bonus value estimate | ~$1,050 |
| Top earning rates | 3× flights · 2× dining · 2× groceries |
| Points program | Avios (Aer Lingus) |
| Card network | Visa |
| Foreign transaction fee | None |
What you get
All 2 perks ↓Perks/yr up to
$400
Annual Fee
$95
Covers fee
4.2×
Editorial Verdict
Aer Lingus Visa: pros & cons
Pros
- 75,000 Avios welcome bonus (~$1,125 est. value)
- 3x Avios on Aer Lingus, British Airways, Iberia and LEVEL purchases
- No foreign transaction fees — built for transatlantic travel
- Companion voucher on Aer Lingus flights after $30,000 annual spend
Cons
- $95 annual fee and a high $5,000 bonus spend requirement
- Avios value concentrates on Aer Lingus transatlantic routes
- Chase personal card — subject to the 5/24 rule
Historical Intelligence
Offer history & timing
Current
75,000
Average
75,000
Tracked High
75,000
Recent changes
2026-05
Chase.com
Highest observed since tracking started: 75,000 (2026-05)
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 75,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on 1 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,145 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 75,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Value
First-year value estimate
Conservative
+$1,115
65% benefit utilization, minimal travel redemptions
Realistic
+$1,145
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,167
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$395/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $400/yr in benefits
🛫airline credit
Companion Voucher
$300/yr
Companion voucher on Aer Lingus flights earned after $30K in annual card spend.
Aer Lingus flights; earned after $30K spend per year
🛡️insurance
Travel Accident Insurance
$100/yr
Travel accident insurance when travel is purchased with the card.
Travel purchased with card
Live Data
Verified issuer data
Last verified: May 14, 2026
medium confidenceEstimated Net Annual Value
$655
after annual fee
Transfer Partners
Airlines (3)
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent travelers who want to maximize points on flights and hotels
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
75,000 Avios
Last verified
May 12, 2026
Annual fee
$95/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
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FAQ
Frequently asked questions
What's the current Aer Lingus Visa welcome bonus?
75,000 Avios after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Aer Lingus Visa worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,050 estimated cash value) plus up to ~$400/yr in tracked benefits and credits typically covers the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the Aer Lingus Visa?
The highest-value benefits we track on the Aer Lingus Visa: Companion Voucher (~$300), Travel Accident Insurance (~$100). Combined tracked benefit value is up to ~$400 per year against the $95 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Aer Lingus Visa?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Aer Lingus Visa's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Aer Lingus Visa come with?
Chase doesn't publish credit limits for the Aer Lingus Visa — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Does Chase's 5/24 rule apply to Aer Lingus Visa?
Yes. Aer Lingus Visa is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
Editorial guides
More on Aer Lingus Visa and Chase
How to Transfer Amex MR to British Airways Avios (2026)
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Aer Lingus Visa Signature Card
Current offer: 75,000 Avios — worth ~$1,050
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Aer Lingus Visa
75,000 Avios offer