Aer Lingus Visa Signature

Earning Rates

Key Benefits

All Benefits

• Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening (current public Chase issuer offer for the Aer Lingus Visa Signature Credit Card; bonus Avios post to your AerClub account typically 6 to 8 weeks after the qualifying spend threshold is met)
• $95 annual fee, not waived the first year (Chase pricing & terms summary on the Apply page; annual fee disclosed at checkout)
• Welcome bonus value: at the commonly cited Avios valuation of 1.4 cents per point, 75,000 Avios is worth roughly $1,050 in transferable airline currency, putting the first-year value at approximately $955 after the $95 annual fee — and meaningfully more if redeemed on Aer Lingus, Iberia, or oneworld off-peak transatlantic awards where Avios punch above that baseline
• 3 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, and Iberia (Chase issuer page; purchases through online travel agencies or third-party booking sites do not earn the 3X category)
• 2 Avios per $1 spent on hotel accommodations booked directly with the hotel (Chase issuer page; OTAs such as Expedia, Booking.com, and Hotels.com do not qualify for the 2X category)
• 1 Avios per $1 spent on all other purchases (Chase issuer page)
• Economy Companion Ticket: every calendar year you make $30,000 in purchases on the Aer Lingus Visa Signature, you receive an economy companion ticket good for 12 months — companion travels for taxes, fees, and carrier-imposed charges only on an eligible Aer Lingus paid-fare itinerary (Chase issuer page; lower spend threshold than several other airline cobrands but tied to Aer Lingus inventory only)
• Priority Boarding for the primary cardmember and any authorized users on Aer Lingus flights departing from and returning to the U.S. from Ireland, subject to availability (Chase issuer page; benefit is U.S.–Ireland transatlantic only, not Aer Lingus intra-Europe flights)
• No foreign transaction fees on purchases made outside the United States (Chase pricing & terms; saves roughly the typical 3% FX markup, or about $150 per $5,000 of overseas spend versus a standard FX-fee card — material for transatlantic travelers spending in EUR/GBP)
• AerClub silver-tier (Concierge) status upgrade benefit: Chase has historically marketed the Aer Lingus Visa Signature as accelerating AerClub tier progression to Concierge (silver) more easily than paid-flying alone, via card-earned Avios and tier-credit interplay — verify exact mechanics in the welcome kit at account opening since AerClub tier rules are set by Aer Lingus and can change; Concierge status confers priority check-in/boarding on Aer Lingus and certain partner benefits
• Avios earned on this card post to your AerClub account and sit on the same shared Avios currency platform used by British Airways Club, Iberia Plus, and Qatar Privilege Club — letting cardholders move Avios between AerClub, BA Club, and Iberia Plus to chase program-specific award sweet spots without a transfer fee or ratio loss (1:1 between Avios programs)
• Avios household pooling across BA / Iberia / Aer Lingus: combining Avios with family members at the same address is done via the British Airways Household Account (up to 7 people) or via Iberia Plus Family / AerClub combination tools, since all three carriers run on the unified Avios currency — practical for couples and families pooling card-earned Avios for premium-cabin transatlantic redemptions
• Aer Lingus award sweet spot context: transatlantic redemptions on Aer Lingus's own metal price in Avios without British Airways–style YQ fuel surcharges, making AerClub frequently the cheapest cash-out-of-pocket way to redeem Avios for U.S.-Europe travel; the card's 3X earn on Aer Lingus paid tickets and 1X everywhere-else feeds this redemption pattern directly
• Lost Luggage Reimbursement: up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip (Chase issuer page Travel & Purchase Protection section; New York residents limited to $2,000 per bag and $10,000 for all covered travelers per trip)
• Baggage Delay Insurance: reimburses up to $100 per day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed more than 6 hours by the common carrier (Chase issuer page Travel & Purchase Protection section)
• Purchase Protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item (Chase issuer page; New York residents limited to a 90-day coverage window per Chase's NY disclosure)
• Extended Warranty Protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase (Chase issuer page)
• Visa Signature tier benefits: complimentary Visa Signature Concierge, Visa Signature Luxury Hotel Collection (room upgrade when available, daily breakfast for two, complimentary Wi-Fi, $25 food or beverage credit on stays of two nights or more), and Visa Signature dining and entertainment access — core Visa Signature program benefits attached to any product issued on the Visa Signature tier
• Complimentary one-year DashPass membership for both DoorDash and Caviar with $0 delivery fees and reduced service fees on eligible orders, plus up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027, with activation required by Dec 31, 2027 (Chase issuer page Partner benefits section)
• Contactless tap-to-pay and digital wallet support (Apple Pay, Google Pay, Samsung Pay) with Spend Instantly access — newly approved cardmembers can add the card to a digital wallet for immediate use the same day before the physical card arrives (Chase issuer page)
• Chase Pay Over Time eligibility: convert eligible purchases of $100+ already made into fixed-monthly-fee installment plans (3–24 month durations) with no interest, or use Chase Pay Over Time at checkout on Amazon orders of $50+ (Chase issuer page Chase Pay Over Time section)
• Variable APR of 19.24%–27.74% as displayed on the Chase pricing & terms summary at scrape date, plus standard Chase penalty APR, returned-payment, late-payment, balance-transfer, and cash-advance fee schedule (Chase pricing & terms; review the live Schumer box on application for current ranges)
• Issued by JPMorgan Chase Bank, N.A., Member FDIC; account approval and credit line subject to Chase's standard underwriting and the unwritten Chase 5/24 rule, under which applicants with 5 or more new card accounts opened across all issuers in the past 24 months are typically declined
• Welcome bonus eligibility: standard Chase cobrand language — existing Aer Lingus Visa Signature cardholders or recent recipients of a welcome bonus on the same product are not eligible for a new bonus; the Aer Lingus card is a Chase cobrand and is not subject to Chase Sapphire-family or Chase Ink-family welcome-bonus restrictions (per general Chase cobrand policy as documented across OMAAT and Doctor of Credit)
• Lounge access: Not offered. The Aer Lingus Visa Signature does not include any complimentary airport lounge access — no Priority Pass, no Aer Lingus / Dublin T2 lounge access, no Chase Sapphire Lounge access, and no provision for purchasing day passes at a discount; lounge use on Aer Lingus flights requires status, a paid business-class ticket, or a separate lounge membership
• TSA PreCheck / Global Entry / NEXUS application fee credit: Not offered. The Aer Lingus Visa Signature does not reimburse the $100 Global Entry or $85 TSA PreCheck application fee, unlike Chase Sapphire Preferred ($100 every 4 years), Sapphire Reserve, or several premium hotel/airline Chase cobrands
• Trip cancellation and trip interruption insurance: Not listed on the current Chase Aer Lingus Visa Signature Travel & purchase coverage section (only Baggage Delay, Lost Luggage, Purchase Protection, and Extended Warranty are listed). Older third-party reviews citing trip cancellation/interruption on this card predate Chase's removal of those protections from default Visa Signature cobrand benefit lineups — treat as unavailable unless reinstated
• Trip delay reimbursement: Not listed on the current Chase issuer Travel & purchase coverage section for this card (only Baggage Delay Insurance is enumerated for delay-type coverage)
• Auto Rental Collision Damage Waiver (primary CDW): Not listed on the current Chase Aer Lingus Visa Signature Travel & purchase coverage section. The live Chase issuer product page does not enumerate auto rental CDW among this card's protections — treat as unavailable; cardholders should not rely on primary CDW when declining the rental company's collision waiver, and should book rentals on a card that explicitly provides CDW (e.g., Chase Sapphire Preferred for primary CDW on personal-use rentals)
• Travel Accident Insurance and Emergency Evacuation: Not listed on the current Chase Travel & purchase coverage section for this card (these protections appear on Chase Sapphire Preferred/Reserve but not on the Aer Lingus Visa Signature)
• Cell phone protection: Not offered. Chase does not list cell phone protection in the Travel & purchase coverage section of the Aer Lingus Visa Signature issuer page; unlike some Visa Signature cards where Chase opts in (e.g., Ink Business Cash/Unlimited), this product does not include it
• Anniversary bonus Avios: Not offered. Unlike Chase's United Explorer or World of Hyatt cobrands, the Aer Lingus Visa Signature does not grant a fixed Avios bonus on each cardmember anniversary; ongoing earn comes from the 3X/2X/1X structure, the $30,000-spend Economy Companion Ticket, the Priority Boarding benefit, and the welcome bonus
• Aer Lingus fuel surcharge / carrier-imposed charge exposure: Mostly mitigated. Unlike British Airways awards, Aer Lingus's own-metal transatlantic redemptions historically pass through significantly lower carrier-imposed surcharges, which is the primary reason transatlantic Avios travelers prefer to redeem through AerClub rather than BA Club; however, the card itself provides no insurance or credit against any future Aer Lingus surcharge or Avios chart devaluation