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AIB Visa Gold Card review 2023

If you're looking for a no-frills card to offer you flexibility with your spending, the Visa Gold Card from AIB (formerly First Trust Bank) could fit the bill.

Finder rating: ★★★★★

Potential costs: 3/5
Doing its job: 3.5/5
Extras: 2.5/5

In a nutshell:

High potential credit limit.

You’ll be paying costly fees if you don’t pay off your balance.

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Chris Lilly

Updated

Jan 22, 2021

Fact checked

£0

Account fee

£5,000

Minimum credit limit

Details

Issuer	AIB
Network	Visa
Annual/monthly fees	£0
Purchases	N/A (this product is a charge card).
Minimum credit limit	£5,000
Maximum credit limit	Subject to status
Additional cards available	1

Minimum monthly payment	Full outstanding balance
Annual/monthly fees	£0
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
Exceeding limit fee	£12
Additional card fee	£0
Dormancy fee	£0

Minimum Age	18
Availability	Available to existing customers

Review by

Chris Lilly

chris.lilly@finder.com

Chris Lilly is a publisher 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.

Expert review

Available to existing customers only, 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 charge interest, although there are usually harsh fees if you fail to clear your balance.

The primary benefit of a charge card is flexibility over payments – purchases at the start of the billing cycle are paid for at the end of the billing cycle, so you can enjoy up to 56 days interest-free. If you do expect to carry a balance month to month, then this isn’t the card for you.

Similarly, if you’re are looking to spread the cost of an upcoming purchase or earn rewards as you spend, there are better deals out there.

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Pros and cons

Pros

No annual fee

Cons

Applicants with low credit scores are unlikely to be eligible
Only available to existing customers

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

Table: sorted by representative APR, promoted deals first

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.9% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 20 months reverting to 23.9%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 fee)	£0	23.9% APR (variable)	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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 15 months reverting to 21.9%	0% for 15 months (0% fee)	£3 per month	27.7% APR (variable)	0.5% after £1 of monthly spend. 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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 6 months reverting to 23.9%	0% for 6 months (0% fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min) Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 24 months reverting to 19.944%	21.814% (3.99% fee)	£7.99 per month	37.7% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts) Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 22.94%	0% for 22 months (2.99% fee)	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 23.9%	0% for 22 months (2.99% fee)	£0	23.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 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 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 17 Month Offer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.95%	0% for 17 months (3% fee)	£0	23.9% APR (variable)	Earn 1 Nectar points per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 23.95% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 15 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 22.95%	0% for 15 months (1.45% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 14 months reverting to 22.94%	0% for 3 months (0% interest on balance transfers for the first 3 months (2.99% fee) fee)	£0	22.9% APR (variable)	1 point 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 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 13 months reverting to 23.9%	0% for 16 months (3% fee)	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 12 months reverting to 29.9%	0% for 12 months (3% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Shopping Plus Credit Card	0% for 18 months reverting to 23.9%	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	0% for 3 months reverting to 23.9%	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% 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 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% 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 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 15 months reverting to 21.9%	£3 per month	27.7% APR (variable)	Check eligibility Read review	0.5% after £1 of monthly spend. 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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award	29.4	£0	29.4% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award	29.4	£0	29.4% 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 1000 points) to shop, other rewards have differing conversions	Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	29.4	£0	29.4% APR (variable)	Check eligibility Read review	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights)	Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	29.4	Year 1 - £0, Year 2 onwards - £25 per annum	35% APR (variable)	Check eligibility Read review	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 29.4% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 35% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award	29.4	£25 per annum	35% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three 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 29.4% (variable) p.a. with a fee of £25 per annum, your representative rate is 35% APR (variable).	Compare	loading Fetching your data...
NatWest 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	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: £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	29.4%	£75 per annum	47.4% APR (variable)	Check eligibility Read review	Limited time offer: earn 40,000 bonus Marriott Bonvoy® points + a free night award when you spend £3,000 in the first 3 months of Cardmembership. Offer ends 30 May 2023. Earn 6 points for every eligible £1 spent with Marriott and earn 2 points for every eligible £1 spent elsewhere. 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a. with a fee of £75 per annum, your representative rate is 47.4% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	29.4%	Year 1 - £0, Year 2 onwards - £160 per annum	73.3% APR (variable)	Check eligibility Read review	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel.	Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.3% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	29.4%	£250 per annum	110.1% APR (variable)	Check eligibility Read review	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 29.4% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.1% 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	10.941%	£0	10.9% APR (variable)	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)	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	12.94%	£0	12.9% 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 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa	18.2%	£0	18.2% APR (variable)	Read review	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.	Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card	18.9%	£0	18.9% APR (variable)	Read review	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
The Platinum Card® by American Express Finder Award	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	29.4%	29.4% (0% fee)	£575 per annum	462.4% APR (variable)	Earn 60,000 Membership Rewards® points plus £200 Credit towards your next getaway with Amex Travel Online when you spend £6,000 in your first 6 months of Cardmembership. Offer ends 13 June 2023. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a. with a fee of £575 per annum, your representative rate is 464.2% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express Business Gold Card Finder Award	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis		N/A	Year 1 - £0, Year 2 onwards - £175	N/A (this product is a charge card).	Earn 20,000 Membership Rewards® points when you spend £3,000 in first 3 months of Cardmembership. Earn 1 Membership Rewards® point for every £1 spent thereafter.	Go to site Read review	Compare	loading Fetching your data...
American Express Business Platinum Card Finder Award	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis		N/A	£650	N/A (this product is a charge card).	Earn 40,000 Membership Rewards® points when you spend £6,000 in first 3 months of Cardmembership. Terms apply. Earn 1 Membership Rewards® point for every £1 spent thereafter.	Go to site Read review	Compare	loading Fetching your data...
Barclaycard Select Business Charge Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis		N/A	£42 per annum	3.6% APR (variable)	Access exclusive offers through Barclaycard Business Rewards. Including, but not limited to, exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire. Terms apply.	Go to site Read review	Compare	loading Fetching your data...
Juni Business Card (only for ecommerce companies)	Finder score ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0%	0% (0 fee)	£0	N/A (this product is a charge card).	Made for ecommerce companies only. Earn up to 1% cashback on all eligible Juni card spend.	Read review	Compare	loading Fetching your data...
Jeeves Business card Finder Award	User survey ★★★★★	★★★★★ User rating	Not yet rated	0%	0% (0 fee)	£0	N/A (this product is a charge card).	Enjoy 1–2% cashback on all card spend and 3% cashback on all Facebook, Google, and AWS spend. Eligible customers can earn up to 4% cashback on all card spend with the Jeeves card. Terms apply.	Read review	Compare	loading Fetching your data...
American Express Basic Charge Card Finder Award	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis		N/A	£0	N/A (this product is a charge card).	Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences.	Read review	Compare	loading Fetching your data...
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How to apply for the AIB Visa Gold Card

To apply for a Visa Gold card, you'll need to call in to any AIB branch. You'll need to show proof of your identity and address (such as your passport, driving licence and a gas or electricity bill) if AIB doesn't already hold this information.

Frequently asked questions

What credit limit will I get with the AIB Gold Charge?

If AIB is able to offer you this deal, the offer will specify a personalised credit limit based on AIB's assessment of your situation. The minimum limit offered on this card is £5,000 and AIB does not specify a maximum. Once you've had the card for a while and shown AIB that you're reliable, you may wish to apply for a credit limit increase.

How much does it cost to use the AIB Gold Charge abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£173.79), it'll cost you around £4.78 in fees.

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