Chase Aer Lingus Visa Signature® Card Review

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The Aer Lingus Visa Signature® Card offers a large sign-up bonus of 100,000 Avios, and the card earns 3x Avios on Aer Lingus, British Airways, and Iberia.

However, the benefits of the card are somewhat lacking to justify the $95 past the first year, unless you spend enough each year to obtain the Companion Certificate.

100,000 Bonus Avios
Chase Aer Lingus Visa Signature® Card
  • Earn Up to 100,000 Bonus Avios: 75,000 Avios After Spending $5,000 in the First 3 Months and 25,000 Avios After Spending $20,000 in the First 12 Months
  • 3X Avios on British Airways, Aer Lingus, and Iberia
  • 2X Avios on Hotel Booked Directly
  • Priority Boarding (to/from the USA)
  • Baggage Delay and Lost Luggage Insurance
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

Priority Boarding

You can enjoy priority boarding for you and any authorized users from flights to or from the United States. All you need to do is show your Aer Lingus card when boarding. 

Companion Ticket

If you spend $30,000 per calendar year, you will receive an economy companion ticket that can be used within 12 months.

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

Baggage Delay Insurance

Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.

Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.

Lost Luggage Reimbursement

Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.

Purchase Protection for 120 Days

Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.

For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.

Coverage for this benefit is limited to $500 per claim and up to $50,000 per cardholder.

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

No Foreign Transaction Fee

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Aer Lingus business Class
Photo: Aer Lingus

The Verdict

The Chase Aer Lingus card offers a great sign-up bonus for big spenders, but the benefits are lacking to justify a $95 annual fee.

Most people would be better off with the Chase Sapphire Preferred unless you fly Aer Lingus, British Airways, or Iberia frequently.

100,000 Bonus Avios
Chase Aer Lingus Visa Signature® Card
  • Earn Up to 100,000 Bonus Avios: 75,000 Avios After Spending $5,000 in the First 3 Months and 25,000 Avios After Spending $20,000 in the First 12 Months
  • 3X Avios on British Airways, Aer Lingus, and Iberia
  • 2X Avios on Hotel Booked Directly
  • Priority Boarding (to/from the USA)
  • Baggage Delay and Lost Luggage Insurance
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply