How to Apply for your Chase Aer Lingus Visa Signature Credit Card

The Chase Aer Lingus Visa Signature® Credit Card is a high-value travel rewards credit card designed for U.S.-based travelers who frequently fly between the United States and Europe, especially with Aer Lingus and its IAG partners (British Airways, Iberia, LEVEL). This product leverages the Avios reward ecosystem, allowing cardholders to earn points that can be redeemed for flights, upgrades, and more. Chase, one of the largest financial institutions in the U.S., issues this card, further enhancing its credibility and access to leading digital banking features.

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Whether you are an expatriate, a frequent tourist, or a business traveler with U.S.-Ireland ties, the card rewards travel spending robustly and provides benefits such as no foreign transaction fees, priority boarding, and the opportunity to earn a highly sought-after Companion Ticket annually. The card stands out among airline credit cards in the U.S. market thanks to its integration with the versatile Avios program, comprehensive Visa Signature protections, and distinct perks for transatlantic flyers.

Key Benefits & Rewards

The Aer Lingus Visa Signature offers a blend of lucrative rewards, exclusive privileges, and helpful travel protections:

• Earn 3 Avios per $1 on purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL.
• Earn 2 Avios per $1 on hotel accommodations purchased directly with the hotel.
• Earn 1 Avios per $1 spent on all other qualifying purchases.
• Annual Economy Companion Ticket: Spend $30,000 on purchases each calendar year and receive a voucher for a free economy companion ticket (excluding taxes and fees) on Aer Lingus-operated flights between the U.S. and Ireland.
• Priority Boarding for primary cardholders and authorized users on Aer Lingus flights directly between the U.S. and Ireland.
• No Foreign Transaction Fees: Make purchases abroad with zero surcharges.
• Comprehensive Visa Signature travel and purchase protections including baggage delay insurance, rental car collision waiver, lost luggage reimbursement, extended warranty, and purchase protection.

These features make every dollar spent more valuable and improve your travel experience by adding comfort and peace of mind.

How to Earn and Redeem Avios

Earning Avios is straightforward: use your Aer Lingus Visa Signature Card for spending in the right bonus categories to maximize accrual. Avios, the loyalty currency of Aer Lingus, can be redeemed for:

• Reward flights on Aer Lingus and all IAG partners (British Airways, Iberia, LEVEL).
• Flight upgrades (subject to availability and terms).
• Booking flexibility, including Pay with Avios options for flights and upgrades.

One key advantage is the ability to move Avios between programs (e.g., British Airways Executive Club), giving cardholders flexibility to find the best travel deals. Points do not expire as long as you have activity in your AerClub account every 36 months. However, inactivity may result in the forfeiture of your points.

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Card Benefits in Detail

• Annual Companion Ticket: After spending $30,000 in a calendar year, you’ll receive a voucher for a free economy seat for your travel companion on a paid Aer Lingus economy flight between the U.S. and Ireland. Vouchers are valid for 12 months and must be booked 30 days before travel. Only one voucher per year is allowed.
• Priority Boarding: Enjoy priority boarding for both you and authorized users on Aer Lingus flights directly serving the U.S.-Ireland route. Simply present your card at the gate.
• Visa Signature Coverage: Includes baggage delay, travel accident insurance, lost luggage reimbursement, car rental collision damage waiver, extended purchase protection, and extended manufacturer warranties.
• Avios Flexibility: Avios earned from purchases automatically transfer each billing cycle to your AerClub account. You can transfer Avios freely between AerClub and IAG partner programs.
• No Foreign Transaction Fees: Use your card worldwide without incurring an extra charge on foreign-currency purchases.

Requirements – Prerequisites & What You Need to Apply

To apply for the Aer Lingus Visa Signature Card, you must:

• Be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
• Have a valid permanent address within the 50 U.S. states, DC, Guam, Puerto Rico, U.S. Virgin Islands, or a U.S. military address.
• Provide a valid Social Security number and proof of residency/citizenship.
• Meet approval based on your creditworthiness and income, as determined by Chase. A good-to-excellent credit score is generally recommended (minimum recommended 670+ FICO score).

If approved, your minimum credit line will be $5,000. Additional requirements and terms can be reviewed at Chase’s Pricing and Terms.

About the Bank/Financial Institution

Chase (JPMorgan Chase & Co.) is a cornerstone institution in American banking, with a lineage dating to 1799. With its headquarters in New York City, Chase has evolved into a global powerhouse holding more than $3.9 trillion in assets as of 2024. It serves millions of clients through a network of over 5,000 branches and a contiguous digital banking platform.

Chase is recognized for robust customer service, competitive cash rewards, financial reliability, and an innovative approach to digital banking. Its credit card division features a variety of top-rated rewards products, making the Aer Lingus Visa Signature a trusted choice for U.S. travelers seeking international benefits. Chase is further lauded for strong anti-fraud protections, advanced digital tools, and a tradition of catering to customers’ evolving banking needs.

Who Is This Card For?

This card is best for:

• U.S.-based frequent flyers who regularly travel to Ireland/Europe with Aer Lingus or IAG partners.
• Individuals seeking to maximize Avios rewards, enjoy travel perks, and earn a companion ticket.
• International travelers who value no foreign transaction fees and worldwide Visa acceptance.
• People with strong credit, who want a travel-focused credit card with robust flexibility within the Avios network.

It may not be ideal for those looking for cash back, low annual fees, or quick rewards from non-travel spend.

Detailed Program and Rewards

The card’s rewards structure focuses on Avios accrual:

• 3X on Aer Lingus, British Airways, Iberia, and LEVEL direct flight purchases.
• 2X on hotel stays (booked directly with hotels).
• 1X on all other eligible purchases.

Avios can be redeemed for flights, upgrades, or with partners. Avios transferability between partner programs amplifies redemption value. The companion ticket can offer high tangible value for those traveling as a pair at least annually. For program details, see Aer Lingus Visa Rewards Program Agreement.

Initial & Minimum/Maximum Credit Limit

• Initial Credit Limit: Each approved applicant receives a minimum credit line of $5,000, per Visa Signature standards and Chase’s criteria.
• Minimum Credit Limit: $5,000.
• Maximum Credit Limit: Based on creditworthiness but can be much higher; Chase does not publicly disclose the maximum but high-credit applicants may receive substantial limits.

The substantial starting limit reflects the card’s premium status and breadth of included protections.

Step-by-Step Guide to Apply

Ready to earn travel rewards? Here’s how to apply:

1. Go to the official Aer Lingus Visa Signature page.
2. Click “Apply Now.”
3. Fill in personal information (name, address, DOB, Social Security number, income details, employment info).
4. Review the card terms and privacy policy. Confirm acceptance.
5. Submit your application. Most applications receive a credit decision instantly; others may need extra verification.
6. If approved, set up your online Chase account to manage rewards and payments. Your card will arrive by mail, usually within 7-10 days.

Download the Chase Mobile app for on-the-go access:

• Android app
• iOS app

Pros and Cons of the Card

• Pros:
  • Industry-leading Avios earn rates on IAG airlines and hotels.
  • No foreign transaction fees; great for overseas travelers.
  • Annual companion voucher is valuable for regular transatlantic flyers.
  • Flexible Avios redemption and transferability.
  • Robust Visa Signature benefits.
• Cons:
  • $95 annual fee, which may not be offset for infrequent travelers.
  • High spend required for the companion ticket ($30,000/year).
  • Rewards best suited for travel — not optimal for those wanting traditional cash back or non-travel perks.
  • Variable high-interest rates (20.49%–27.49% APR) for balances carried month to month.

How to Activate the Card?

Upon receipt of your Aer Lingus Visa Signature Card:

1. Call the activation number located on the sticker affixed to the card, or activate it via your online Chase account.
2. Set up your online profile at chase.com if you haven’t already.
3. Download the Chase Mobile app for seamless card management and to review rewards activity instantly.

Alternatively, visit any Chase branch for in-person activation.

Fees

• Annual Fee: $95, billed upon account opening and then each year.
• Purchase APR: 20.49%–27.49% (variable, based on creditworthiness and market Prime Rate).
• Balance Transfer APR: 20.49%–27.49% (variable).
• Cash Advance APR: 29.24% (variable).
• Penalty APR: Up to 29.99% if payments are missed or returned.
• Balance Transfer Fee: $5 or 5% of the transfer amount, whichever is higher.
• Cash Advance Fee: $10 or 5% per transaction, whichever is higher.
• Late/Returned Payment Fee: Up to $40.
• Foreign Transaction Fee: None.

For a complete breakdown, visit Chase’s Pricing and Terms.

Customer Service

Chase offers a variety of contact channels for cardholders:

• Phone: 1-800-432-3117 (U.S., general credit card service); TTY: 1-800-242-7383 (for the hearing impaired)
• Mail: Cardmember Service, P.O. Box 15298, Wilmington, DE 19850-5298
• Email: Secure message via your Chase online account dashboard
• Companion Ticket Inquiries: [email protected]
• In-Person: Any Chase branch

Support is available 24/7 for lost or stolen cards and billing questions. For mobile access, utilize the Chase Mobile app (download links above), allowing you to manage your card and rewards on the go.

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