Our verdict

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

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

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

Details

Product overview

Issuer	Allied Irish Bank (GB)
Network	Visa
Annual/monthly fees	£75 per annum
Purchases	N/A (this product is a charge card).
Minimum credit limit	£5,000
Maximum credit limit	Subject to status
Additional cards available	1
Lounge access	Priority Pass - access to over 600 executive airport lounges.
Potential costs	1.5 ★★★★★
Doing its job	2.5 ★★★★★
Extras	3.5 ★★★★★
Overall Finder score	2.5 ★★★★★

Fees and charges

Minimum monthly payment	Full outstanding balance
Annual/monthly fees	£75 per annum
Foreign usage charge (EU)	2.75%
Foreign usage charge (rest of world)	2.75%
Cash advance fee	1.5% (min. £3)
Late payment fee	£12
Duplicate statement fee	£10
Exceeding limit fee	£12
Additional card fee	£35
Dormancy fee	£0

Application requirements

Minimum Age	18
Availability	Available to existing customers

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

Table: sorted by representative APR, promoted deals first

Name	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard	0% for 20 months reverting to 24.9%	£0	24.9% APR (variable)	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	Check eligibility Read review	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
Amex® Cashback Everyday Credit Card Finder Award	31%	£0	31% APR (variable)	Check eligibility Read review	Welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	25.9%	£24 per annum. Reward Current Account holders: £0 per annum	31% APR (variable)	Go to site Read review	Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	31%	£0	31% APR (variable)	Check eligibility Read review	Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card	25.9%	£24 per annum. Reward Current Account holders: £0 per annum	31% APR (variable)	Go to site Read review	You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).	Compare	loading Fetching your data...
American Express® Rewards Credit Card Finder Award	31%	£0	31% APR (variable)	Check eligibility Read review	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).	Compare	loading Fetching your data...
Amex® Cashback Credit Card Finder Award	31%	£25 per annum	36.7% APR (variable)	Check eligibility Read review	Welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	31%	Year 1 - £0, Year 2 onwards - £30 per annum	37.8% APR (variable)	Check eligibility Read review	New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum	40.7% APR (variable)	Go to site Read review	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Go to site Read review	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	31%	£95 per annum	54.8% APR (variable)	Check eligibility Read review	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).	Compare	loading Fetching your data...
Yonder Credit Card (only for London residents) Finder Award	29.94%	1 month for £0, £15 per month thereafter	66.7% APR (variable)	Go to site Read review	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance and no FX fees.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	31%	Year 1 - £0, Year 2 onwards - £195 per annum	88.8% APR (variable)	Check eligibility Read review	New Cardmembers earn 20,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Cardmembership. T&Cs Apply. UK 18+, subject to status. Get 20% cashback at 1,000+ restaurants until 19 May 2024.	Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	31%	£300 per annum	139.9% APR (variable)	Check eligibility Read review	Welcome offer: Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers only.	Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.9% APR (variable).	Compare	loading Fetching your data...
The Platinum Card® by American Express Finder Award	31.0%	£650 per annum	704.6% APR (variable)	Check eligibility Read review	New Cardmembers earn 40,000 Membership Rewards® Points when you spend £6,000 in the first 3 months of Cardmembership. T&Cs Apply. UK 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)	Your interest rate will stay the same as your current NewDay card	£0	APR (variable)	Read review	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year	If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Compare	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card Finder Award	10.941%	£0	10.9% APR (variable)	Read review	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Platinum Visa	13.94%	£0	13.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 13.94% (variable) p.a., your representative rate is 13.9% APR (variable).	Compare	loading Fetching your data...

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 0345 600 5204.

Frequently asked questions

What credit limit will I get with the Allied Irish Bank (GB) Visa Gold Card?

If Allied Irish Bank (GB) offers you this deal, it will specify a personalised credit limit based on Allied Irish Bank (GB)'s assessment of your situation. The minimum limit offered on this card is £5,000, and Allied Irish Bank (GB) does not specify a maximum. Once you've had the card for a while and shown Allied Irish Bank (GB) you're reliable, you may wish to apply for a credit limit increase.

How much does it cost to use the Allied Irish Bank (GB) Visa Gold Card abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£171.19), it'll cost you around £4.71 in fees.

Finder credit card scores

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full profile

Allied Irish Bank (GB) Visa Gold Card review