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Side-by-side

Bilt Blue vs Aer Lingus Visa Signature

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Aer Lingus Visa Signature from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt BlueAer Lingus Visa Signature
Annual fee$0$95
Sign-up bonus$100 Bilt Cash75,000 Avios
Bonus value (est.)$100-
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
    Read the full review
    Bilt Blue
    $0/yr · $100 Bilt Cash
    Read the full review
    Aer Lingus Visa Signature
    $95/yr · 75,000 Avios

    Editorial take: Bilt Blue

    The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

    Editorial take: Aer Lingus Visa Signature

    Common questions

    Which card has the bigger sign-up bonus, Bilt Blue or Aer Lingus Visa Signature?
    The Bilt Blue has a public bonus ($100 Bilt Cash, worth roughly $100), while the Aer Lingus Visa Signature doesn't advertise one right now.
    Is the Bilt Blue's $0 annual fee worth it compared to the Aer Lingus Visa Signature?
    The Bilt Blue has no annual fee, so the question is whether the Aer Lingus Visa Signature's $95 fee is justified by its perks. If you'll use enough of the Aer Lingus Visa Signature's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Blue.
    Can I have both the Bilt Blue and Aer Lingus Visa Signature?
    Yes, since they're from different issuers (Bilt / Cardless and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Bilt Blue or the Aer Lingus Visa Signature first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Aer Lingus Visa Signature: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.