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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $130
- First-Year Value Estimate
- $795
- Net Value
- +$35
Card type: PersonalForeign transaction fee: NoneCurrency: Aer Lingus AerClub
Earning Structure
3XAer Lingus, British Airways, Iberia, and LEVEL purchases3.3%
2XHotel accommodations booked directly with the hotel2.2%
1XAll other purchases1.1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (2)
- Instacart: $10 (Monthly)
Monthly credit on Instacart orders with active Instacart+ membership (activate by 12/31/27)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
Protections (5)
- Baggage Delay — up to $300 — Up to $100 per day for 3 days for essentials when baggage delayed 6+ hours
- Lost Luggage — up to $3,000 — Up to $3,000 per covered traveler for lost/damaged baggage
- Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for collision damage and theft on rental vehicles
Other Perks
- Priority boarding on Aer Lingus flights departing from and returning to the US from Ireland
- Economy Companion Ticket after $30K spend in a calendar year (valid for 12 months)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/27)