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Compare the Features and Benefits of Aer Lingus Visa Signature Credit Card and
United℠ Business 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
Airport Lounge Access
Free Checked Bags
Priority Boarding
Primary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
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
Airport Lounge Access
no
Free Checked Bags
no
Priority Boarding
no
Primary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Concierge Services
no
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare
2x Transit
2x Gas Stations
2x Dining Out / Food Delivery
2x Office Supplies
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Offer ends April 3, 2024.  

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.03) 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

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first. Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.


The annual fee is waived for the first year, but will cost $99 every year thereafter. Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $100 United credit after purchasing seven United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn up to 1,000 Premier Qualifying Points every year. Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 1,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders. Currently, cardholders can register for one year complimentary DashPass benefits from DoorDash. This perk gets you unlimited deliveries on orders of $12 or greater with no delivery fee and lower service fees overall.

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
Airport Lounge Access
yes
Free Checked Bags
yes
Priority Boarding
yes
Primary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Concierge Services
yes

Learn more about these cards today

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