Ireland's Best Rewards Credit Cards (2023)

Avant Money Reward+ Card

Ireland's Best Rewards Credit Cards (1)

Ireland's Best Rewards Credit Cards (2)

Reward+ Card


Balance Transfers




Typical APR

€100 cashbacki

€100 cashback subject to minimum monthly spend of €500 in the first three months with cashback payable within six months of account opening.

Up to 25% interest refundi

Up to 25% interest refund every month. The 25% interest refund is payable on the interest charged on purchase transactions on your monthly statement. Refunds are payable a month in arrears to a maximum value of €24 per statement.

Advantages® Loyalty Programi

Over 300 always-on offers. More discounts and less restrictions from 100’s of your favourite top brands. Plus exclusive experiences, customer days, and competitions for you and your family.

Why we like this card

The Avant Money Reward+ Card offers two market-leading rewards to save you money.

As a welcome offer, enjoy a generous€100 cashbackwhen you spend €500 in the first 3 months of your account opening. You’ll get your cashback within six months as long as you meet the spending requirements.

You’ll also getup to 25% of your interest on purchases refunded every month. You’ll need to make at least the minimum repayment each month to qualify for the refund.

As long as you make your minimum repayment each month, this is a great way to save money on interest and could cut your interest repayments by up to 25%.


  • Highest interest refund rate in Ireland
  • Generous €100 cashback if you spend €500 within 3 months of account opening
  • Access to 300+ offers with the Avantages loyalty programme*
  • Add up to 3 extra account holders to your card
  • Versatile introductory and ongoing rewards to choose from


  • Interest refund capped at €24 per month and given for purchases only
  • €100 cashback subject to a minimum monthly spend of €500 in the first three months

*What is the Avantages loyalty programme?

Avantages is a scheme for all Avant Money credit card holders, that offers discounts, competitions and learning resources.

By registering your card and setting up an online account, you can sign up for Avantages and access these rewards:

  • Exclusive experiences
  • Discounts on top brands
  • Cashback & rewards
  • Competitions
  • Bank of courses, blogs & articles

The bottom line

This card offers a great cashback reward and the highest interest refund rates on the market which is perfect if you want money back on large purchases and everyday spending.

Bank of Ireland Aer Credit Card

Ireland's Best Rewards Credit Cards (3)

Aer Credit Card - Purchases


Balance Transfers

0% for 6 months



Typical APR

Instalment plani

Spread your bigger credit card purchases of €250 or more at a great low rate of6.7% variable(6.9% Annual Percentage Rate).

Travel Rewards for €6.50 per month

Why we like this card

If travel is your passion then the Bank of Ireland Aer Credit Card could be perfect for you.

You could get a bunch of travel rewards worth over €267 per year for a small monthly fee. Here are the rewards you can enjoy each year:

  • Fast track and priority boarding passes x2
  • Lounge passes x2
  • Return flights to Europe x2 (excluding taxes & charges)
  • Worldwide multi trip travel insurance for the family
  • Increase your Avios whenever you use your card

Redeeming your rewards is easy. You’ll just need to join the Aer Lingus loyalty club, AerClub, and link your account to your credit card profile.


  • Travel perks worth nearly triple the annual card charge
  • Earn Avios as you spend, to use as you wish
  • 0% on purchases for 6 months or balance transfers for 7 months
  • Low rate instalment option for large purchases


  • €7.99 monthly charge
  • Free European flights are subject to a €5,000+ spend each reward year
  • It has the highest APR (Annual Percentage Rate)

The bottom line

A great deal for travel enthusiasts who use their card often for purchases and trips and can utilise all the travel rewards.

AIB Platinum Visa Card

Ireland's Best Rewards Credit Cards (4)


3.83% for 12 months

Balance Transfers

3.83% for 12 months



Typical APR

0.5% cashback

Go to site

Why we like this card

The AIB Platinum Visa Card is a bit more niche in its appeal, but ideal if fancy hotel stays are your thing.

You’ll get 0.5% cashback (capped at €225) if you spend more than €5,000 over 12 months*, and perks relating to theVisa Luxury Hotel Collection.

There’s no 0% interest period to transfer your balance or make purchases but it does offer a low rate for both over 12 months and the lowest APR of all the rewards cards.

You’ll need to have a salary of €40,000 or more to qualify for the Platinum card.

* Cashback is excluded for cash advances, fees, refunds, interest, funds transfers received and spends when you’re 2+ months in arrears.

Why choose a rewards credit card?

You’ll get incentives in return for spending on your rewards credit card, and, the more you spend, the bigger the benefits you’ll receive.

Some rewards cards also offer 0% interest periods on balance transfers and purchases but they may not match up to a card that’s designed for this. Take a look at ourbest balance transfer cardsandpurchases deals.

There are different types of rewards available depending on which card you choose, the main ones include:

  • Cashback and interest refund
  • Air miles (Avios) to use on travel e.g. flights and accommodation
  • Exclusive offers, discounts and experiences
  • Introductory offers e.g. free stamp duty
  • Access to learning resources

How do rewards cards differ from other credit cards?

The main difference is the reward element that other credit cards don’t offer, though this can mean the APR is slightly higher sometimes.

Purchase cardsusually offer longer 0% interest periods to help you pay off a large purchase.

Balance transfer cardsallow you to transfer another card balance over and again, there’s usually a long 0% interest period to pay the balance off.

You can use a rewards card in the same way as a regular credit card and it’s likely to share the same features and functionality, for example:

  • money transfers
  • purchases
  • cash withdrawals
  • balance transfers
  • instalment plan option for larger purchases
  • up to 56 days of zero interest
  • add extra cardholders for free

The key is to know what you want the card for and how you’ll use it, to work out which type is best for you, and what features you need.

Which reward card is right for you?

The right card and benefits will depend on your individual spending and lifestyle habits, as well as your finances and any qualifying criteria.

For example, there’s no point choosing a card that offers travel perks like Avios if you’re not a seasoned flyer, particularly as you’ll usually pay a monthly fee.

You need to find the best matched rewards so that you’re sure to make use of them.

Don’t be enticed by exclusive offers and experiences that you won’t actually use, instead, opt for the biggest cashback reward to spend how you like.

How does cashback work?

Cashback works by giving you back a percentage of what you spend on your rewards card. The more you spend and the higher the percentage, the more you’ll get back.

For example, if you spend €500 in a month and the cashback rate is 1%, you’ll get €5 cashback credited the following month.

You’ll only get cashback on approved transactions which vary depending on the credit card provider.

How to choose the right rewards card

There are a few things to check and ask yourself before picking a card, for example:

  • How much are you likely to spend on the card each year?Some cards apply a minimum spend of €5,000 to get the top rewards, so check.
  • Can you pay off the balance in full each month?If so, the APR is less important and a cashback option will work well. If you can only make the minimum payment, an option like interest refund will be better, and look for a low APR.
  • Are you a frequent flyer?Collecting Avios will be your priority if so. If not, a more general reward like cashback will offer more flexibility.
  • Do you have a balance to transfer or are you planning a large purchase?Pick the longest 0% interest period onbalance transfersorpurchases.
  • Do you enjoy trying new things or shopping?Some rewards include top brand retail offers, discounts on hotel stays, and unique experience days that may suit you.
  • Do you meet the qualifying criteria?Some cards have a minimum salary requirement for example, so check the small print.
  • Are you happy to pay a card fee?Not all rewards cards have a monthly fee. If there is one, tot up the benefits and make sure you’ll save money overall.

Once you’ve decided on the rewards that will benefit you the most, check other fees that may apply and the Typical APR.

You’ll want the APR to be as low as possible, particularly if you won’t be able to clear your balance each month.

Rewards credit cards FAQs

Do I have to pay a monthly fee for a rewards card?

It depends on the card, so always check.

The Bank of Ireland Aer credit card costs €7.99 a month but if you meet the minimum spend requirement, you can benefit from travel rewards worth €267 a year.

You’ll need to weigh up whether any fee will be covered by the rewards on offer, otherwise it won’t be worth paying for a card.

What are Avios?

Avios are the reward points you can collect when you join AerClub, the loyalty programme for Aer Lingus.

You can redeem Avios in full or part against flights, hotels and car hire, depending on how many you’ve collected.

You’ll get 1 Avios for each €1 you spend on Aer Lingus products and services. Other transactions may offer a different ratio of Avios per spend e.g. 1 Avios for every €4 spent.

How does interest refund work?

When you pay for things on your credit card, they will accrue interest if you don’t clear the balance in full each month.

Interest refund is where you get a percentage back of the interest e.g. 15%, that’s credited to your account the following month.

The Avant Money Reward+ card caps the interest refund reward at €24 a month and the interest on cash withdrawals is excluded.


What credit card is most accepted in Ireland? ›

Opt for a Mastercard or Visa.

They're the most-widely accepted cards and Ireland is no exception, though you can't still use your American Express cards in some locations.

How do you win the credit card game? ›

One of the best ways to win the credit card game: Pay balances in full every month. "Credit cards are the most expensive kind of loan," says Ali Besharat, assistant professor of marketing at the University of Denver. The average card APR hovers just above 16 percent. But no balance means no interest.

Can you use American credit cards in Ireland? ›

Visa and Mastercard are widely accepted throughout the island of Ireland; American Express is accepted in some places but not all. Credit cards can be used for purchases and also to withdraw cash from ATMs (although this usually is accompanied by a fee).

Are US dollars accepted in Ireland? ›

You can't use dollars in Ireland so we advise paying for your vacation using a mix of cash withdrawals and card payments. The Republic of Ireland uses euros (€) and Northern Ireland uses pounds (£). For Ireland tours visiting Northern Ireland, you'll need a small amount of pounds alongside euros.

Can I use my US debit card in Ireland? ›

“Can I use American Debit Cards in Ireland?” All US issued Visa Debit cards and Mastercard Debit cards should work in ATMs in Ireland. All US issued Visa Debit cards and Mastercard Debit cards can be used to spend in stores in Ireland.

How much is 5000 reward credits worth? ›

Simply stop by the Caesars Rewards Center with valid ID, to redeem your Reward Credits for free play. Members with a Tier of Platinum or above, may gift Reward Credits twice a year at 5,000 credits ($50.00) each time or once at 10,000 credits.

What credit card do most celebrities use? ›

If there's one card most associated with celebrities, it's the American Express Business Centurion Card, often referred to as the Amex Black Card. It's an invite-only card, and although you don't need to be famous to get it, the spending requirement for an invite is rumored to be at least $250,000 per year.

What is the 5 card trick rule? ›

Five Card Trick: In the event you draw 5 cards to a hand without exceeding 21, you automatically win and the Dealer will pay you even money. ANY PAIRS Any Pairs is an optional side wager offered on certain Blackjack Challenge tables.

What is the credit card payment trick? ›

The 15/3 credit card payment rule is a strategy that involves making two payments each month to your credit card company. You make one payment 15 days before your statement is due and another payment three days before the due date.

What is the 1 5 credit card rule? ›

1 in 5 Rule

You can only get approved for one credit card every five days. The 1 in 5 rule doesn't affect charge cards, so you could apply for one credit card and X charge cards on the same day and be fine. Keep in mind that you'll have to manage the minimum spend requirements.

Should I take cash to Ireland? ›

We recommend bringing a small amount of cash in euros to Ireland with you. Around €300 euro should be more than enough to get you through your first days in Dublin.

Is it better to use cash or credit card in Ireland? ›

A credit card is your best and simplest option in Ireland, as most retailers accept them and some cards like the Capital One VentureOne Rewards Credit Card help save on foreign transaction fees. Read up on all of your spending options to make sure you're prepared for your trip to the Emerald Isle.

How much cash can I bring to Ireland? ›

Overview. Carrying cash - If you enter or leave the European Union (EU) at an Irish airport or port carrying cash of €10,000 or more, you must make a declaration to customs. Sending cash - If you send or receive cash of €10,000 or more by post, freight or courier you may have to make a cash disclosure declaration.

How much is $100 euros in U.S. dollars? ›

Euros to US Dollars conversion rates
100 EUR109.03 USD
500 EUR545.19 USD
1,000 EUR1,090.38 USD
5,000 EUR5,451.91 USD
7 more rows

How much cash can you bring into Ireland from USA? ›

Ireland has no restriction on the amount of cash you can carry in or out of the country if you are travelling within the EU.

What currency should I bring to Ireland? ›

Euro (€) is the currency used in the Republic of Ireland (including most big cities that we visit: Dublin, Cork, Galway, Kilkenny, Kerry, Donegal, Mayo and Waterford). If you're flying into Dublin, you'll need Euro first!

Is it better to get euros before going to Ireland? ›

Euro (€) is the currency used in the Republic of Ireland (including most big cities that we visit: Dublin, Cork, Galway, Kilkenny, Kerry, Donegal, Mayo and Waterford). If you're flying into Dublin, you'll need Euro first!

What US banks have branches in Ireland? ›

American banks in the spotlight: their involvement in Ireland
  • Merrill Lynch: Merrill Lynch has 800 employees in Ireland at offices in Sandyford and Lower Grand Canal Street in Dublin.
  • AIG Ireland.
  • Lehman Brothers.
  • Bank of America.
Sep 16, 2008

Is it better to take euros or use debit card? ›

Key Takeaways. European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

What is the black credit card rich people have? ›

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

How many dollars is 100000 credit card points? ›

How much are 100,000 Chase points worth? When redeemed for cash back, 100,000 Chase points are worth $1,000. When redeemed for travel booked through Chase, 100,000 points are worth $1,500 if you have the Chase Sapphire Reserve®, or $1,250 with the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card.

How much is 100000 reward points worth? ›

How Much American Express Points Are Worth
Number of American Express PointsAverage Value
2 more rows
Feb 22, 2023

How much is 30k credits in usd? ›

30000 Credits is 114.645472 US Dollar.

What is the single biggest credit card trap for most people? ›

The minimum payment mindset

Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month. Soon, you are in the habit of using your card to purchase things beyond your budget.

Why do billionaires only use credit cards? ›

For rich folks, credit cards are a tool to manage their finances and simplify their spending. Credit cards give people a convenient way to spend, and that includes the wealthy. They often use credit cards to make large purchases or to pay for travel and entertainment expenses.

What kind of credit card does Kim Kardashian use? ›

Kim Kardashian and Oprah Winfrey, meanwhile, have used the American Express Centurion, which is said to enable cardholders to buy anything they desire, no matter how seemingly inaccessible. Here's a closer look at three of these exclusive credit cards and what they offer.

What is the rule of 3 2 5 in cards? ›

Take 3, 2, and 5 cards from the unused cards of the deck and place them face down. Let each player pick a card randomly. Then the player who gets 2 becomes the dealer and has to win at least 2 tricks, the player with 3 has to win at least 3 tricks, and the player with 5 has to win at least 5 tricks.

What is the most popular card trick? ›

The most famous card trick is an advanced card trick called Triumph. It is a well-known trick that every card magician loves to perform. The Triumph trick involves a card being selected and lost in the deck. Then the magician magically makes all the cards, except the spectator's card, face the same direction.

What are the rules of 21? ›

Your goal is to draw cards that total 21, or come closer to 21 than the dealer without going over. The dealer and each player start with two cards. The dealer's first card faces up, the second faces down. Face cards each count as 10, Aces count as 1 or 11, all others count at face value.

What is the 15 and 3 credit hack? ›

The 15/3 credit card hack is a payment plan that involves making two payments during each billing cycle instead of only one. Anyone can follow the 15/3 plan but it takes some personal management and discipline. The goal is to reduce your credit utilization rate and increase your credit score.

What are 3 credit card mistakes to avoid? ›

10 common credit card mistakes you may be making and how to avoid them
  • Carrying a balance month-to-month. ...
  • Only making minimum payments. ...
  • Missing a payment. ...
  • Neglecting to review your billing statement. ...
  • Not knowing your APR and applicable fees. ...
  • Taking out a cash advance. ...
  • Not understanding introductory 0% APR offers.

What is the golden rule of credit cards? ›

Your payment history accounts for 35% of your credit score. Paying at least the minimum amount on your credit card each month is a good way to build (or maintain) a good credit score. Paying on time will also help you avoid getting slapped with fees.

What is the 3 12 rule? ›

3/12 rule. Anecdotally you generally won't be approved for Bank of America cards (business or personal) if you've opened three or more new credit cards with all issuers in the past 12 months (much like with the Chase 5/24 rule, most business cards don't seem to count toward that limit).

What is the 2 30 rule for credit cards? ›

2/30 Rule. The 2/30 rule says that you can only have two applications every 30 days or else you'll automatically be rejected.

What is the 2 3 4 credit card rule? ›

2/3/4 Rule

Here's how the rule works: You can be approved for up to two new credit cards every rolling two-month period. You can be approved for up to three new credit cards every rolling 12-month period. You can be approved for up to four new credit cards every rolling 24-month period.

Can I use my cell phone in Ireland? ›

In order for your American cell phone to work in Ireland, you will need to set up international roaming. Also, ask your provider about an international calling plan that you can activate while you are in Ireland. Making and receiving phone calls with your U.S. cell phone while in Ireland is very expensive.

Is Ireland less expensive than the US? ›

Ireland, overall, tends to be pricier than the average cost of living in the U.S. However, depending on where you are coming from in the states, you may find that parts of Ireland are extremely affordable.

How much money should I take to Ireland for a week? ›

The average price of a 7-day trip to Ireland is $1,305 for a solo traveler, $2,014 for a couple, and $2,987 for a family of 4. Ireland hotels range from $56 to $310 per night with an average of $99, while most vacation rentals will cost $160 to $490 per night for the entire home.

What is the most accepted credit card in Ireland? ›

Opt for a Mastercard or Visa.

They're the most-widely accepted cards and Ireland is no exception, though you can't still use your American Express cards in some locations.

What are the best ways to pay in Ireland? ›

5 Top Payment Methods in Ireland
  • Credit and Debit Cards. According to data collected by JP Morgan, around 60% of all ecommerce transactions in Ireland are paid for with credit and debit cards. ...
  • Cash. ...
  • Digital Wallets. ...
  • Direct Debit. ...
  • Bank Transfers.
Feb 20, 2023

How much can you withdraw from an ATM in Ireland? ›

ATM Limits at Banks

Most Irish Bank ATMs will have a transaction limit of €700 – regardless of your actual card limit. If you need to take out more than this you will need to make more than one transaction. Some Irish ATMs inside bank branches will have higher limits – sometimes up to €2000 .

Can you use an American credit card in Ireland? ›

Visa and Mastercard are widely accepted throughout the island of Ireland; American Express is accepted in some places but not all.

What can you not bring to Ireland? ›

illegal or dangerous drugs. indecent or obscene goods. certain foodstuffs, mainly meat, milk, fish or products thereof.

How much are customs fees from US to Ireland? ›

Standard rate of Customs Duty

It may be possible to benefit from a standard rate of 2.5% Customs Duty. This standard rate can be applied to non-commercial goods valued at €700 or less per individual. To determine if the value is more than €700 the following are excluded: the allowance (€430 or €215)

Does Ireland prefer cash or card? ›

Debit cards are, by far, the most popular payment method in Ireland. Credit cards are also popular, but unlike debit cards, they are used mostly for larger purchases.

What credit cards are used in Ireland? ›

Which credit card issuers are accepted in Ireland?
Merchant acceptanceATM acceptance
American ExpressLowMedium
Sep 28, 2022

What credit cards are most accepted internationally? ›

Visa and Mastercard are by far the most widely accepted cards, with Discover slightly behind those brands and American Express in a distant fourth place. Any retailer that accepts card payments likely takes Visa and Mastercard. In terms of the number of countries serviced, Discover lags behind the other three cards.

Are credit cards popular in Ireland? ›

1.6 billion card payments transactions in 2021

In Ireland, credit cards are generally used for larger purchases than debit cards, with an average transaction amount for credit cards of €68.40 in 2021 (Chart Three). Debit cards recorded an average spend of €41.11 (a negligible increase from €40.90 in 2020).

How much cash should you bring to Ireland? ›

If you are coming to Ireland from a country outside the EU with €10,000 cash or more you must present a completed cash declaration form (pdf) to the Customs at the airport or seaport when you enter Ireland. If you fail to submit a declaration your cash may be detained by Customs and you could be subject to penalties.

Do I need cash when traveling to Ireland? ›

Ireland's main currency is the Euro. Because most places you visit will be able to take your credit or debit cards, you don't need to take much cash.

Is tipping customary in Ireland? ›

Tipping is mainly associated with the hospitality sector. It is also common among other services such as taxi drivers, hairdressers, tour guides and delivery drivers. Employees usually get tips from customers through one of the following types of payment: Mandatory service charge.

What is the best currency to use in Ireland? ›

💡 Pro Tip: if offered the chance to 'pay in dollars' when billed, always opt for the local currency (€ euros in Republic of Ireland or £ pound sterling in Northern Ireland). This offers the best value!

Can I use Capital One in Ireland? ›

You can use your card abroad the same as you use it at home.

You don't need to notify us about your travel plans anymore thanks to the added security of your Capital One chip card. You can use your card abroad the same as you use it at home.

Which credit card works in every country? ›

The best credit card for international payments is the Chase Sapphire Preferred® Card because it has no foreign transaction fee and it rewards users with 1 - 5 points per $1 spent, including on payments to merchants based abroad.

What countries do not accept Amex? ›

Here are some countries that don't accept American Express at all:
  • Sudan.
  • Cuba.
  • North Korea.
  • Russia and Belarus (temporarily)
Oct 31, 2022

Which card is best for international transactions? ›

Best International Debit Cards Offered by Indian Banks
  • SBI Global International Debit Card.
  • ICICI Bank Sapphiro International Debit Card.
  • Axis Bank Burgundy Debit Card.
  • HDFC EasyShop Platinum Debit Card.
  • Yes World Debit Card.
  • HSBC Premier Platinum Debit Card.
Jun 13, 2023

Does discover work in Ireland? ›


Visa, MasterCard and American Express are widely accepted. Diners Club card is accepted at a limited number of establishments. Discover is generally not accepted in Ireland.

What percentage of Irish people have credit cards? ›

The survey found that 51% of Irish adults own credit cards. More than half of those surveyed think adults in Ireland are too reliant on credit cards to pay for goods.

What is the credit rating of Ireland? ›

Ireland is now rated in the AA category by all major ratings agencies. The upgrade puts Ireland's rating on a par with core Eurozone countries including France (Aa2), Belgium (Aa3) and Austria (Aa1). Other issuers in the Aa3 category include the United Kingdom and Hong Kong.


Top Articles
Latest Posts
Article information

Author: Greg Kuvalis

Last Updated: 15/01/2024

Views: 6215

Rating: 4.4 / 5 (55 voted)

Reviews: 94% of readers found this page helpful

Author information

Name: Greg Kuvalis

Birthday: 1996-12-20

Address: 53157 Trantow Inlet, Townemouth, FL 92564-0267

Phone: +68218650356656

Job: IT Representative

Hobby: Knitting, Amateur radio, Skiing, Running, Mountain biking, Slacklining, Electronics

Introduction: My name is Greg Kuvalis, I am a witty, spotless, beautiful, charming, delightful, thankful, beautiful person who loves writing and wants to share my knowledge and understanding with you.