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

1 - 8 of 31

Name	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
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 Compare	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).	loading Fetching your data...
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 Compare	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).	loading Fetching your data...
John Lewis Partnership Credit Card	28.94%	£0	28.9% APR (variable)	Check eligibility Read review Compare	Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)	Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).	loading Fetching your data...
American Express® Rewards Credit Card Finder Award	30.7%	£0	30.7% APR (variable)	Check eligibility Read review Compare	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 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	30.7%	£0	30.7% APR (variable)	Check eligibility Read review Compare	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award	32.9%	£0	32.9% APR (variable)	Check eligibility Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	loading Fetching your data...
Nectar Credit Card Finder Award	30.7%	Year 1 - £0, Year 2 onwards - £30 per annum	37.5% APR (variable)	Check eligibility Read review Compare	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 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.5% APR (variable).	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	30.7%	£95 per annum	54.5% APR (variable)	Check eligibility Read review Compare	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 30.7% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.5% APR (variable).	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

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