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Are you living in Ireland and looking for a credit card with rewards Ireland? There are many options on the market, which makes it difficult to find the ideal card.
It is common for the question to arise, in the end, which credit card with rewards Ireland pays off the most? With so many alternatives offering cashback, travel points, or even airline miles, the choice becomes difficult.
In this article, we will learn about the main credit card options with rewards Ireland and help you understand how to use the benefits of the cards to the fullest.
What Are Rewards Credit Cards?
Before we talk about the different credit cards available, it’s good to understand the concept behind rewards credit cards.
In principle, these cards work as follows. By using your card to make purchases, you accumulate rewards that can be converted into various benefits, such as cashback, travel points, discounts or even airline miles.
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The attraction of these cards is that they turn your day-to-day expenses into something advantageous.
Main options credit card with rewards Ireland
After all, how to choose the best credit card with rewards in Ireland? Let’s look at some of the most popular options.
1. AIB Platinum
AIB Platinum is one of the cards offered by Allied Irish Banks, which is a consolidated name in the Irish financial market.
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With a cashback of 0.5% on all spending, AIB Platinum is ideal for those looking for a simple way to accumulate rewards, without meeting complicated conditions.
In addition, there are no special spending requirements or specific categories to accumulate cashback.
In addition, AIB offers an interest promotion of 3.83% on balance transfers and purchases for 12 months, which is advantageous for those who want to consolidate debts or finance purchases at a reduced rate.
However, the APR rate of 17% is high and should be considered.
In general, it is an interesting option that prioritizes direct cashback and does not need very complex benefits.
2. Revolut Credit Card
The Revolut Credit Card is a suitable choice for those who travel a lot, offering unique benefits for those who like to accumulate travel points.
The RevPoints program allows you to earn up to 2 points for every €1 spent, and you can redeem these points for airline miles from more than 30 airlines, including Aer Lingus and British Airways.
Furthermore, the APR rate is 17.99%. However, Revolut offers a 0% interest promotion on the first 3 months of purchases and balance transfers.
Also, Revolut has a great app that is easy to use,
However, one disadvantage is that the points accumulated may not offset the annual fees, especially if the expenses are lower.
3. Bank of Ireland Aer Credit Card
The Bank of Ireland Aer Card allows you to earn airline miles for travel on Aer Lingus.
Firstly, the card allows you to earn Avios points for every euro spent, convertible into benefits such as airline tickets, upgrades and access to airport lounges.
Another advantage of this card is that you can get exclusive travel benefits, such as priority boarding and travel insurance.
But, its annual APR rate of 22.7% and monthly fee of €6.50 are high compared to other credit cards.
In addition, the €30 annual stamp duty can also cause the total cost of the card to be higher than expected.
4. Avant Money Everyday+ Card
The Avant Money Everyday+ Card has benefits focused on the day-to-day, without the complexities that many credit cards present.
Although specific details about the rewards are not disclosed. It is recommended that you use the card for daily expenses, such as grocery shopping, gasoline or meals.
The card does not require large spending requirements or specific categories, making it ideal for those looking for an easy-to-use card.
Comparing Fees and Benefits
See now a clear view of each card. From a comparison, you will be able to have an excellent credit card at your disposal.
| Bank | Card Name | Reward Type | APR | Annual/Monthly Fee | Introductory Offer |
| AIB | Platinum | Cashback (0.5%) | 17.0% | Not specified | 3.83% interest for 12 months |
| Revolut | Revolut Credit Card | RevPoints (Travel Points) | 17.99% | Varies by plan | 0% for 3 months |
| Bank of Ireland | Aer Credit Card | Avios (Travel Points) | 22.7% | €6.50 monthly | 0% for 6 months |
| Avant Money | Everyday+ Card | Not specified | Not specified | Not specified | Not specified |
What to Consider Before Choosing a Credit Card with Rewards?
Before making your final decision, you should weigh a few important points.
Take a look at the type of reward that appeals to you the most, whether it’s cashback, airline miles or travel points.
Additionally, interest rates (APR) and additional fees (such as annuities and taxes) should be analyzed carefully so as not to end up with an unexpected outstanding balance at the end of the month.
Attention! While the rewards are attractive, if you’re having trouble with your invoice or being charged wrong, customer service will be crucial.
Unfortunately, consumer reviews indicate that customer service is still one of the top complaints in Irish banks, with consumers often dissatisfied with problem resolution.
FAQs about Credit Cards with Rewards in Ireland
1. What is the difference between a traditional credit card and a travel card?
Traditional credit cards offer limited benefits over travel. Such as airline miles or cashback, but they may have high exchange rates and additional charges when used abroad.
On the other hand, travel cards, such as Revolut, are good for optimizing international spending.
In addition, travel cards allow you to accumulate travel points, such as miles, which can be used for discounts on tickets or upgrades.
Therefore, if you travel frequently, a travel card can be much more advantageous.
2. What is APR and why is it important?
APR, or Effective Annual Rate, is the total cost of using your credit card in a year, including interest and other fees.
In addition, this fee is important because it directly impacts the amount you pay for your purchases on credit, if you do not pay the full balance each month.
A lower APR indicates less interest accrued on outstanding balances. While a higher APR can result in significant additional costs.
Therefore, you should compare the APR between the cards to ensure that you are making a good financial choice.
Conclusion
Choosing the right Credit card with rewards Ireland is not an easy decision, but with the right information, you can make a choice that suits your lifestyle.
Evaluate the fees, rewards, and benefits offered to choose the one that best meets your financial needs.
Here’s the tip! The best credit card with rewards is the one that makes sense in your routine, whether you are a traveler, a conscious consumer or someone looking for simplicity and practicality.
Now, with all these details in mind, you’re ready to decide which card to use.