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Compare the Features and Benefits of Aer Lingus Visa Signature Credit Card and
The American Express Blue Business Cash™ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Purchase Protection
Extended Warranty
No Fees for Authorized Users
Free Access to Credit Score
Trip Protections
No Foreign Transaction Fees
0% Intro APR on Purchases
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
APR on purchases
-
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
Purchase Protection
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
0% Intro APR on Purchases
no
Secondary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Amex Offers
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Ongoing APR
18.49%-26.49% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare
2x Transit
2x Car Rentals
2x Cable / Internet / VOIP Phone
2x Costco
2x Gas Stations
2x Cellular Phone Service
2x Dining Out / Food Delivery
2x Hotels
2x Lyft
2x Office Supplies
2x Shipping
2x Single Charges over $5,000
2x Groceries
2x Cruises
2x Drugstores
2x Streaming Services
2x Gym Memberships
2x Advertising (Online / TV / Radio)
2x Entertainment (Concerts / Shows / Movies)
2x Advertising on Search Engines and Social Media
2x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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

The American Express Blue Business Cash business credit card is a great card for those who are both not interested in points (prefer cash back) and do not want to keep track of bonus categories.

With a simple 2% cash back on all eligible purchases until you reach $50,000 in spend in a calendar year, it’s a perfectly suitable cash back card for those that spend under $50,000 in a calendar year for their business. Though the rate will drop to 1% on eligible purchases after you spend $50,000 in a calendar year, there is no limit to the amount of cash back that you can earn.

cash-back-american-express-blue-business-cash-card-review
If you prefer American Express Membership Rewards points instead of cash, there is a nearly identical version of this credit card, called the American Express Blue Business Plus™ Card, which earns Membership Rewards points instead of cash at the same rate.

Keep in mind that this no-annual fee card does charge a 2.7% foreign transaction fee, so please make sure you have a separate credit card with no foreign transaction fees for your trips abroad.

If you spend more than $50,000 a year, however, and want straight cash back and expanded buying power, you should consider these two alternative business credit cards:

  • The Chase Ink Business Premier, which is a charge card with no preset limit and earns 2% cash back on everything and even earns 2.5% cash back on purchases over $5,000.
  • The Capital One Spark Cash Plus, which is a charge card with no preset limit that earns 2% on all purchases.

If you would like to have separate Blue Business Cash cards for your employees, you can do so with no fee.

Rates and Fees for the The American Express Blue Business Cash™ Card

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Trip Protections
no
No Foreign Transaction Fees
no
0% Intro APR on Purchases
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes

Learn more about these cards today

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