Aer Lingus Visa Signature Agreement

COL00092 Aer Lingus Visa Signature Agreement, as filed by Chase Bank USA, carries a $95 annual fee and a 29.99% penalty rate.

The disclosed terms

This page covers the agreement Chase Bank USA filed for COL00092 Aer Lingus Visa Signature Agreement. The filing runs 21 pages, and It is issued on the Visa network.

The disclosure covers a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. A purchase rate and a grace period are not stated.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Where the fees are

Holding the card costs $95 a year before any transaction takes place — about the 92nd percentile among agreements in this index that state a fee.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Moving a balance onto this card carries an up-front charge of $5 or 5% of the amount transferred, whichever is greater, with the transferred balance priced at 15.99%. Transferring $7,500 would cost roughly $375 at the door.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

When a payment is late

A penalty APR of 29.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 61st percentile.

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The no-interest path

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

How it sits in the issuer's own range

Chase Bank USA has 25 agreements indexed on this site.

What the filing does not tell you

This page cannot tell you a purchase rate and a grace period, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

Everything here is a reading of the filed agreement, 21 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

Note that the $95 annual fee falls due whether the card is used or not. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.