Review of Aer Lingus Shamrock Rewards Mastercard



The Aer Lingus Shamrock Rewards Mastercard was last reviewed on : 15th April 2005

Summary - The Aer Lingus Shamrock Rewards Mastercard from MBNA is a simple and typical airline credit card except for one important feature. It has NO ANNUAL FEES (the only frequent flyer credit card that has no annual fees). You will earn a standard one mile for every dollar you spend on purchases. You will get 1,000 bonus miles after your first purchase. You can also earn unlimited miles with this credit card. Aer Lingus miles have a 3 year expiration.

As mentioned earlier, there is no annual fee. The APR is a fixed rate at 12.99% .You get a 1.7% fixed introductory APR on balance transfers for 6 billing cycles.

Though you cannot earn double miles, the Aer Lingus Shamrock Rewards Mastercard lets you earn unlimited miles. This is the only dedicated airline credit card with no annual fees. Frequent flyers on Aer Lingus to Ireland need less miles than other airline programs to fly to Ireland.

Alternatives - You can also earn Aer Lingus Shamrock points with the American Express Green Rewards Card or the American Express Rewards Gold Card. However, you have to pay a $65 and a $90 annual fee for these two cards respecitively. However, you get a better range of rewards.

You may also want to consider the Citi Premierpass Card, a general reward program credit card that allows you to earn miles from the amount you spend on your card and also from the miles you fly. This is in addition to the fequent flyer miles you earn seperately with your frequent flyer program. You can also earn points from your companion if you pay for the ticket.

Positives
  • Only airline credit card with no annual fee
  • Earn unlimited miles


Negatives
  • Cannot earn double miles


Aer Lingus Shamrock Rewards Mastercard
Miles Benefits
Signing Bonus 1000 bonus miles after first purchase
Miles Accumulation 1 mile for every $1 spent on purchases
Anniversary Bonus none
Miles Expiration 3 years
Caps on miles no limit
Travel and Insurance Benefits
nr
Other Benefits
Zero internet liability purchase
Cost/Fees/Interest rates
Introductory rate 1.7% fixed APR for 6 billing cycles (for both balance transfers and advance checks)
Annual Fees none
Purchase APR 12.99%
Balance Transfer APR 12.99%
Cash Advance APR 12.99%
Min Finance Charge $1.50
Grace Period 25 days
Balance Calculation Method Average Daily Balance (including new purchases)
Balance Transfer Fee 3%, min $10.00, max $75.00
Advance checks fee 3%, min $10.00, max $75.00
ATM Cash Advance fee 3% min $10.00
Other Cash Advance fee 3% min $10.00
Foreign Currency Conversion fee 3%
Over-the-credit-limit fee $15 - less than $500
$29.00 - $500-$1000
$39.00 - more than $1000
Late Payment fee $15.00 - less than $100
$29.00 - $100-1000
$39.00 - greater than $1000



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