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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
Aer Lingus Visa Signature

Aer Lingus Visa Signature

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Sign-up Bonus

90K Avios after $5K spend in the first 3 months
Am I eligible?

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)