Compare the best rewards credit cards in Ireland using our comparison. Earn cashback, discounts and travel perks when you spend on your credit card.
The credit cards with the lowest typical APR (Annual Percentage Rate) are shown first
They’re credit cards that offer rewards or extra perks for spending on your card. Some reward cards are free, but with others, you’ll have to pay a fee.
The types of rewards you could get include:
Cashback reward cards give you back a percentage of what you spend on your card.
For example, if you choose a card with 1% cashback and spend €10,000 you would get €100 paid back to your account. This may be credited to your card monthly or yearly
Most card providers will pay cashback on shopping and entertainment spends, but not travel costs, gambling or household bills.
Yes there is usually a cap on how much you can earn, but the maximum amount of cashback depends on the credit card provider. It’s typically around €10-15 per month but the AIB Platinum card offers up to €225 per year.
It depends on your lifestyle and how you use your card.
If you like to shop and spend, a reward card with a decent cashback percentage is ideal, however, if you’re a frequent flyer, it may be worth forking out a monthly fee to earn travel perks and collect Avios.
|Type of reward||Best if you…||Cards on offer|
|Cashback||Enjoy shopping & spending||Avant Money Reward+, KBC Card, AIB Platinum|
|Exclusive offers||Enjoy luxuries & special perks||AIB Platinum|
|Welcome bonus||Want a cash incentive||Avant Money Reward+|
|Travel perks||Love travelling & fly frequently||Bank of Ireland Aer Credit Card|
If you pay off your balance in full and on time each month and spend enough, you can earn some attractive perks or extra cash with a reward card.
However, if you don’t settle your credit card bill each month, you’ll pay interest on your purchases which is often more than the cashback you have earned.
The best way to benefit from a rewards scheme is to find a card that suits your spending habits and lifestyle. Here are the pros and cons of rewards cards:
It depends on whether you think the benefits outweigh the costs. If you’re sure you would save money by paying a monthly fee for various perks and rewards then it could be worthwhile.
The Aer Credit Card which is is aimed at frequent travellers is the only rewards credit card with a fee at the moment at €7.99 a month.
For this, you’ll get all the benefits of a credit card, plus travel rewards worth over €267, including two free return fares to Europe and worldwide travel insurance for you and your family.
Yes, you can, but you will have to pay €30 stamp duty on each account so you need to weigh up whether it’s worth it.
If you want to transfer your balance to benefit from lower interest rates, make sure you close the account you are transferring from.
To avoid paying duty on both accounts, make sure your card issuer gives you a letter of closure stating that you have paid your stamp duty for the year. You won’t be charged stamp duty again for that year if you’ve supplied this letter to your new card issuer,
No, if you are a student it’s unlikely you will qualify for a regular rewards credit card because you’ll need to provide proof of income.
Many student credit cards offer their own rewards and discounts, designed for students. You can find the best one by using our student credit card comparison tool.
Different lenders have their own criteria for approving credit and some are more stringent than others.
When you apply for a credit card, the card issuer will access the Central Credit Register Credit to inspect your credit history. Your card issuer will use the credit report to assess your application before making a decision. They will also consider your income and outgoings, such as salary, rent and utilities.
If you have a history of unpaid loans, late payments or a poor credit score, it will make it more difficult to get a rewards credit card. If you want to find out how to access your credit report, read our guide How to check your credit record.
No, there are often exclusions but these vary depending on the card provider, so it’s a good idea to check the T&Cs.
Spends that are normally eligible for cashback include:
Spends that often don’t qualify for cashback, include:
This depends on the type of reward and the credit card provider.
You can check your cashback balance online or on your credit card app.
Avios is the reward currency of Aer Club, the loyalty programme of Aer Lingus.
Avios are earned and collected by taking flights and booking hotels and car hire. They can be redeemed to use on Reward Flights or hotel stays and car hire.
For every €1 you spend using the Aer Credit Card on Aer Lingus products or services you will collect 1 Avios. You can find out more on Aer Club.