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Compare the Features and Benefits of Aer Lingus Visa Signature Credit Card and
Instacart Mastercard® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Purchase Protection
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Free Access to Credit Score
Secondary Car Rental CDW Waiver
Roadside Assistance
Concierge Services
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

2x Hotels

Must be booked directly with the hotel

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This card often has a very generous signup bonus and Chase’s Aer Lingus credit card earns 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus as well as 2x Avios on hotel accommodations booked directly with the hotel.

Avios can be shared between any Avios program, which also includes Qatar Airways (home of the QSuite) and you can redeem British Airways Avios for award tickets on oneworld airlines like American Airlines, Alaska Airlines, Cathay Pacific, and more.

While with the British Airways version of Avios, we tend to talk about short haul flights on oneworld carriers like American Airlines as the best value, the Aer Lingus version of Avios has a different sweet spot:

When flying off-peak, you can fly from the East Coast of the US (think cities like NYC, Boston, Philadelphia, Washington DC, Toronto, Minneapolis and Chicago) to/from Ireland on Aer Lingus metal for just 13,000 Avios in Economy or 50,000 Avios in Business Class.

You’ll pay 16,500 instead of 13,000 Avios for an economy ticket from elsewhere in the United States and 62,500 for Business Class.

The other main benefit of this card is the Companion Ticket, which requires spend of $30,000 or more in a calendar year on your Aer Lingus Visa Signature Card to activate.

You’ll receive an economy companion ticket good for 12 months on Aer Lingus operated flights, based on flight availability. While it’s not as good a deal as if there was no spend requirement to earn (obviously!) at least no taxes or fees are added to the companion ticket.

The Companion Ticket is issued as a voucher that can be used for an economy companion ticket in conjunction with a paid economy flight.

Still, if your goal is geared more towards more earning points, the Chase Sapphire Reserve also earns 3x Chase Ultimate Rewards credit card points on these airlines and on all airlines, hotels, cruises and other travel and can even be transferred to Avios if you’d like – not to mention a range of other travel partners, like World of Hyatt which offers fantastic value.

cruises-aer-lingus-visa-signature-credit-card

Note: Per Chase’s 5/24 Rule, you will only be approved for a Chase card like the British Airways Visa card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One Spark Cash Select and Spark Miles plus Discover, but are subject to the policy).

Read more
Unique Card Benefits
yes
Trip Protections
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Secondary Car Rental CDW Waiver
no
Roadside Assistance
no
Concierge Services
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.24%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
5x Airfare

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Hotels

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Car Rentals

Only on purchases made through the Chase Travel Center. 1X otherwise

2x Gas Stations
2x Dining Out / Food Delivery
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This card is designed for heavy Instacart uses. Much like the Amazon credit card only makes sense if you spend a ton at Amazon, the Instacart credit card only makes sense if you already spend a ton at Instacart as the 5% back will add up – and it’s a no annual fee credit card.

If you are looking for a powerful card for all supermarket purchases, you’d be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets, up to $25,000 a year (earn 1X thereafter).

But if you are loyal to Instacart, this card is worth considering.

It is a World Elite Mastercard, so it does come with some additional benefits as well.

Additional Benefits include:

  • World Elite Concierge
  • Baggage Delay Insurance
  • Extended Warranty Protection
  • Purchase Protection
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Roadside Assistance
  • Secondary Car Rental Collision Damage Waiver coverage

Overall, if you are a huge Instacart user, this card is worth it for the 5% back on all your purchases. But if you aren’t, you might find a better card for your spend in our Famous Card Explorer.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Secondary Car Rental CDW Waiver
yes
Roadside Assistance
yes
Concierge Services
yes

Learn more about these cards today

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