Allied Irish Bank (GB) Visa Gold Card review 2020

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Existing customers willing to clear their balance in full every month could boost their spending power with this rewarding charge card.

Finder rating: ★★★★★

£75

Yearly account fee

£5,000

Minimum credit limit

Details

IssuerAllied Irish Bank (GB)
NetworkVisa
Annual/monthly fees£75 per annum
PurchasesN/A (this product is a charge card).
Min credit limit£5,000
Max credit limitNot specified
Additional cards available1
Lounge accessPriority Pass - access to over 600 executive airport lounges.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

AIB’s Visa Gold Card is a charge card. That means you’re expected to clear your balance in full every month. As such, these cards don’t really charge interest, although there are fees to pay if you fail to clear your balance on time.

Provided you’re OK with that, plus the card’s £75 per annum fee, then this card could offer you payment flexibility (in other words you can buy something at the start of the month and pay for it at the end of the month) and the opportunity to enjoy a few attractive perks.

For frequent travellers, as a Visa Gold cardholder you’ll enjoy access to over 600 executive airport lounges, through the Priority Pass scheme.

All in all, this is an okay card, but for that annual fee, it could do with some more perks. Other “gold” cards, designed for consumers that can qualify for high credit limits, offer a wider range of rewards.

AIB cards are offered on the Visa network, so they’re accepted at over 20 million locations worldwide.

Pros and cons

Pros

  • Airport lounge access

Cons

  • £75 annual account fee
  • Applicants with low credit scores are unlikely to be eligible
  • Each additional card incurs a fee (£35)
  • Only available to existing customers
  • You may be offered an opening credit limit as low as £5,000

How does this card compare with other rewards cards on the market?

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Transfer Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
American Express Platinum Cashback Everyday Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Rewards Credit Card
22.2%
£0
22.2% (variable)
Go to site
More Info
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
British Airways American Express Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Platinum Cashback Card
22.2%
£25 per annum
27.3% (variable)
Go to site
More Info
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).
The American Express Nectar Credit Card
22.2%
Year 1 - £0, Year 2 onwards - £25 per annum
27.3% (variable)
Go to site
More Info
As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).
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How to apply for the AIB Visa Gold Card

If you’ve compared your options and wish to apply for an AIB card, you’ll need to head to a branch or phone AIB on +44 (0)345 600 5204.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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