🇮🇪 Irish credit cards compared

Compare Credit Cards in Ireland

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Rank Irish cards by APR, fees, balance transfer terms, and rewards fit.

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Live rates

Credit card rates in Ireland

Sorted by purchase APR. Rates updated regularly from provider websites.

CardProviderPurchase APRAnnual fee
AIB CLICK Visa CardAIB13.80%€30/yr
AIB Platinum Visa CardAIB17.00%€30/yr
Platinum Credit CardBank of Ireland19.60%€76.18/yr
Student Credit CardBank of Ireland20.20%No fee
Affinity Credit CardBank of Ireland20.20%No fee
AIB Student Visa CardAIB20.50%€30/yr
Classic Credit CardBank of Ireland22.10%No fee
PTSB ICE Visa Credit CardPTSB22.53%€30/yr
Aer Credit CardBank of Ireland22.70%€78/yr
An Post Flex Credit CardAn Post Money22.90%€30/yr
AIB 'be' VisaAIB22.90%€30/yr
Avant Money Everyday+ Credit CardAvant Money22.90%No fee
Avant Money One Card Credit CardAvant Money22.90%€30/yr
Avant Money Reward+ Credit CardAvant Money22.90%€30/yr
An Post Classic Credit CardAn Post Money22.90%€30/yr

Rates are indicative. Always confirm with the provider before applying. Get a personalised comparison →

How to compare

What actually matters when comparing credit cards

APR (Annual Percentage Rate)

The yearly cost of borrowing if you carry a balance. Purchase APR across Irish cards currently ranges from around 13.8% to 23%. On a €2,000 balance, the difference between a 14% and 23% APR card is roughly €180 per year. If you regularly carry a balance, APR is the most important factor to compare.

Annual fee

Some cards charge an annual or monthly fee regardless of how much you spend. If you pay your balance in full each month and rarely use credit, a no-fee card is almost always the better choice. Cards with fees sometimes offset the cost through rewards or a lower APR.

Balance transfer rate

A balance transfer lets you move existing credit card debt to a new card, often at 0% interest for an introductory period. This can significantly reduce the cost of carrying debt. Transfer fees of 1–3% typically apply, and the standard APR kicks in when the introductory period ends.

Rewards and cashback

Some Irish credit cards offer points, cashback, or travel rewards on spending. These are most valuable if you pay your balance in full every month. If you carry a balance, the interest cost will outweigh any rewards earned in almost every case.

Foreign transaction fees

Most traditional Irish credit cards charge 1.5–3% on spending outside the eurozone. If you travel frequently or buy from non-euro websites, a card with no foreign transaction fees (such as digital bank options) can save a meaningful amount each year.

Worth knowing: A rewards card that charges 24% APR will cost you far more in interest than any rewards you earn if you carry a balance. Rewards are only valuable when you pay in full each month.

How to choose the right credit card in Ireland

The right credit card depends on how you actually use credit. Most people fall into one of two categories: those who pay their balance in full each month, and those who carry a balance.

If you pay in full every month, interest rate is largely irrelevant. The factors that matter are the annual fee (ideally zero), any rewards or cashback on spending, and whether the card has foreign transaction fees if you travel.

If you regularly carry a balance, APR is the single most important factor. The interest cost on an unpaid balance at 24% APR will outweigh any rewards or benefits the card offers. In this case, the lowest APR card you qualify for is almost always the best choice, regardless of features.

Balance transfer cards are worth considering for anyone with existing credit card debt. Moving a balance to a 0% introductory offer can save a significant amount in interest, provided you pay down the balance before the promotional period ends.

The Competition and Consumer Protection Commission (CCPC) publishes independent guidance on credit card costs in Ireland. Credit cards are regulated by the Central Bank of Ireland, which sets rules on how lenders must display rates and fees.

How Sortd compares credit cards

Reviewed and updated June 2026 using current Irish issuer data. Cards are compared by APR, annual fee, transfer terms, and feature fit rather than by referral fee.

  • Compares APR, annual fee, and balance transfer rates across major Irish providers.
  • Filters by what matters to you: lowest rate, no annual fee, or best rewards.
  • Shows your current card alongside alternatives so you can see clearly where you could save.
  • Monitors your card and alerts you if a meaningfully better option becomes available.
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Common questions

Which credit card has the lowest interest rate in Ireland?+
Based on our current data, AIB has the lowest purchase APR cards in the Irish market — the AIB CLICK Visa is at 13.80% and the AIB Platinum is at 17.00%. Most other Irish cards sit between 19% and 23% APR. Credit unions are also worth checking if you are a member, as they can offer competitive rates. The best rate available to you depends on your credit profile.
What is APR and why does it matter?+
APR (Annual Percentage Rate) is the yearly cost of borrowing on your credit card if you carry a balance. On a €2,000 balance at 22% APR, you pay roughly €440 per year in interest. Even a few percentage points difference adds up significantly over time. If you pay your balance in full each month, APR is less relevant than the annual fee and any rewards.
Are there credit cards with no annual fee in Ireland?+
Yes. Bank of Ireland and Avant Money both have no-annual-fee options in our current data. AIB and An Post Money charge €30 per year on all their cards. Cards with no annual fee can still carry competitive APRs — for anyone who pays their balance in full each month, a no-fee card is usually the most cost-effective choice.
How does a balance transfer credit card work in Ireland?+
A balance transfer moves existing credit card debt to a new card, often at 0% interest for an introductory period of 6–12 months. A transfer fee of 1–3% of the amount moved typically applies. After the introductory period ends, the standard APR applies to any remaining balance. It is most useful for people with existing credit card debt who want to reduce the interest they pay.
What credit cards are available in Ireland?+
The main credit card providers in Ireland are AIB, Bank of Ireland, Permanent TSB, An Post Money, and Avant Money. Revolut and N26 also offer card products that function similarly to credit cards for everyday spending. Each provider has different APRs, fees, and reward structures.
Should I choose a credit card based on rewards or APR?+
It depends on how you use credit. If you pay your balance in full every month, rewards and no annual fee are the most relevant factors. If you carry a balance, APR will cost you far more than any rewards you earn. For most people who carry a balance, the lowest APR card is the right choice regardless of rewards.

Related guides

Compare credit cards by APR, fees, and rewards →Use the free tool to rank Irish credit cards based on how you actually use credit.How Sortd works →Learn what happens when you compare and how provider click-throughs work.Typical savings on major bills →See where card savings fit alongside energy and mortgage savings.Compare mortgage rates in Ireland →See rates from AIB, Bank of Ireland, Permanent TSB, Haven and more. Free, takes 1 minute.

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