Tag: Bank of Ireland

Aer Lingus Visa Credit Card Overview

The Aer Lingus Visa is a co-branded travel rewards credit card issued by Bank of Ireland, specifically designed for frequent travelers and Aer Lingus loyalty program members. This credit card stands out for its competitive rewards structure that allows cardholders to earn valuable Aer Lingus Avios points, which can be redeemed for flights and various travel expenses.

Card Type

This card falls under the category of a travel rewards credit card, making it an excellent choice for those who frequently travel with Aer Lingus. With its emphasis on earning points for air travel, it caters to the needs of travel enthusiasts looking to maximize their rewards.

Annual Fee

The Aer Lingus Visa has an annual fee of $95. While this fee may seem steep, the potential for rewards and benefits can easily outweigh the costs for frequent travelers.

Rewards Program

The rewards structure of the Aer Lingus Visa includes earning 3 Avios points for every dollar spent on Aer Lingus purchases and 2 Avios points for every dollar spent on other travel expenses, such as hotels and car rentals. For all other purchases, cardholders earn 1 Avios point per dollar. This tiered rewards structure allows cardholders to accumulate points quickly, making it ideal for those looking to fly with Aer Lingus.

Sign-Up Bonus

Upon approval, new cardholders can earn a generous 30,000 Avios bonus after spending $2,000 within the first three months. This sign-up bonus can significantly boost a members points, facilitating an award ticket much sooner.

APR (Annual Percentage Rate)

The Aer Lingus Visa boasts a competitive regular APR of 15.99%. Additionally, the card offers a promotional 0% introductory APR on purchases for the first 12 months, giving cardholders a short-term reprieve on interest fees while they adjust to their new card.

Foreign Transaction Fees

Travelers will appreciate that this card does not charge foreign transaction fees, making it a smart option for international travelers who want to avoid those extra costs when using their credit card abroad.

Balance Transfer Options

The Aer Lingus Visa also provides balance transfer options with a special introductory offer of 0% APR for the first 12 months, with a 3% balance transfer fee applicable. This feature is particularly useful for users looking to manage existing credit card debt more effectively.

Additional Fees

Cardholders should be aware of additional fees associated with the Aer Lingus Visa, such as a late payment fee of up to $40 and a cash advance fee of either 3% of the amount or $10, whichever is greater. Understanding these fees is essential for efficient card management.

Card Benefits and Perks

In addition to its rewards structure, the Aer Lingus Visa offers several valuable perks, including travel insurance, concierge services, and access to airport lounges for premium customers. These benefits can greatly enhance the overall travel experience, making the card worth its annual fee.

Customer Protections and Insurance

Cardholders benefit from various customer protections, such as zero fraud liability, purchase protection for eligible purchases, and rental car insurance. These protections add peace of mind when traveling or making significant purchases.

Eligibility and Credit Score Requirements

To qualify for the Aer Lingus Visa, applicants are generally recommended to have a credit score of 670 or higher. Meeting this criterion will improve the likelihood of approval and potentially better terms.

Introductory Offers

The 0% introductory APR on purchases for the first 12 months is a noteworthy offer for new cardholders. This feature presents an opportunity to make high-value purchases while avoiding interest for a limited time.

Special Features or Unique Selling Points

What sets the Aer Lingus Visa apart from other credit cards is its focus on travel rewards, specifically Avios points. These points provide flexibility and excellent value when booking flights, and the card also includes various travel benefits, which are particularly appealing for Aer Lingus passengers.

How to Apply

Interested applicants can easily apply for the Aer Lingus Visa online or in-person at select branches. For further details and to submit your application, visit the ‘>Official Website today!

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