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Credit cards with rewards have become a popular financial tool for many people in Ireland. Whether you’re seeking cashback, travel points, or other types of rewards, there’s a credit card option that suits your spending habits and financial goals. Ireland’s credit card market is diverse, with numerous card providers offering different types of rewards schemes to cater to a broad range of consumers.
In this article, we’ll explore the various credit card options available in Ireland, including cashback credit cards, instant approval credit cards, the best value credit cards, and the best rewards credit cards. We’ll also discuss the conditions, benefits, and restrictions that come with each option to help you choose the right card for your needs.
What are Credit Cards with Rewards?
Credit cards with rewards are financial products that allow users to earn benefits or rewards based on their spending. These rewards can come in various forms, including cashback, points, or air miles. Generally, the more you spend, the more rewards you earn. However, there are often caps or limits on how much you can earn in rewards, depending on the specific credit card provider.
In Ireland, many credit cards offer rewards for everyday spending, such as groceries, fuel, and even your utility bills. There are also certain credit cards that cater specifically to travelers or those who spend more on specific categories. One of the most common types of rewards is cashback, but some cards also offer points that can be redeemed for travel, gift cards, or merchandise.
Types of Credit Cards with Rewards Available in Ireland
When it comes to choosing the right rewards credit card in Ireland, there are several categories to consider. Below are the most common types of credit cards with rewards available to consumers in Ireland.
# 1. Cashback Credit Cards
Cashback credit cards are one of the most straightforward types of rewards cards. Essentially, you earn a percentage of your spending back as cash, which is either deposited into your account or used as a statement credit. The percentage of cashback you can earn varies depending on the card, but it generally ranges from 0.5% to 1.5%.
However, cashback credit cards often come with a cap on the total amount of cashback you can earn. For example, many providers impose a monthly limit, typically around €10-€15. This means that once you’ve reached that cap, you will not earn any additional cashback for the remainder of the month.
One of the standout options for cashback in Ireland is the AIB Platinum Card. This card offers a more generous cashback scheme than many others, with the potential to earn up to €225 in cashback annually. While the cashback might be limited to certain types of spending (such as everyday expenses or large purchases), it can be a solid option for those looking for a tangible return on their purchases.
# 2. Instant Approval Credit Cards
Instant approval credit cards are popular among people who need quick access to credit. These cards are typically designed for individuals who have a strong credit history and are seeking a fast decision on their application. Many credit card providers in Ireland offer instant approval options, which means you can receive your approval decision within minutes of applying, sometimes even before you leave the website.
Once approved, you can generally start using your card almost immediately for online purchases, and the physical card is typically sent to you in the mail within a few days. Instant approval credit cards with rewards often come with a limited range of benefits compared to traditional cards, but they still allow you to earn points or cashback based on your spending.
# 3. Best Rewards Credit Cards in Ireland
The best rewards credit card in Ireland depends on your preferences, but generally, these cards offer the highest value in terms of points, cashback, and other rewards. Some of the most popular options include:
- AIB Platinum Card: As mentioned earlier, the AIB Platinum Card is a top choice for cashback enthusiasts. It provides up to €225 in cashback annually, which is significantly higher than most other cashback credit cards in Ireland.
- Bank of Ireland Visa Rewards Card: This card allows you to earn points for every purchase, which can be redeemed for travel, gift cards, or other rewards. The points system is flexible, and the card offers the potential to earn up to 1.25% in rewards on selected categories.
- KBC Credit Cards: KBC offers a selection of cards with varying reward schemes, including cashback and points that can be used for travel. KBC’s credit cards also offer some benefits, such as travel insurance and purchase protection.
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