PayperWIZ

Best credit cards in Ireland, by what they actually pay

Every card in the Ireland catalogue, ranked by what it genuinely returns on each kind of spending — after the monthly cap, and after the minimum spend some cards require before any bonus rate applies.

21 cards · catalogue v101 · 19 of 21 read from the issuer's own terms

The 7 Ireland cards read off the issuer

Every rate on this page came from somewhere. These ones came from the bank's own published terms, read by a person on the date shown, with the cap and the minimum spend that the comparison tables leave out. Each has its own page.

Every category in Ireland

In the order people spend, not biggest number first. The highest rate on a card is routinely the one that means least, so what limits it is shown beside it.

Best published return per category in Ireland, from 21 cards. The headline rate is one that covers the whole category; where a bigger rate covers only part of it, that is shown underneath with what it covers.
Spending onBest returnCard
groceries1.00%Avant Money Everyday+checkedAvant Money · EUR 0 a yearat most EUR 25 back a month
dining0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
fuel0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
supermarkets0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
online and delivery0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
travel0.50%or 0.80% (Aer Lingus products and services), with Bank of Ireland Aer Credit CardAIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
phone and internet0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
entertainment0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
pharmacy0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
education0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
government0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
rent and property0.50%AIB Platinum VisacheckedAIB · EUR 30 a yearneeds EUR 416.67 a month on the card first
everything else1.20%Revolut Credit Card (Ultra plan)checkedRevolut · EUR 690 a year
How these were worked out. 19 of the 21 cards here have been read against the issuer's own terms line by line and are marked checked in the tables below. The rest come from each issuer's published material and have not been checked that way. Every rate is converted to what the card actually returns — points and miles are valued at the redemption rate the programme publishes, using the rate anyone can take rather than the best one available after a transfer. Where a card's programme publishes no redemption value, the card is left off this page rather than listed at a number that would be a guess. Caps and minimum monthly spends are shown because they are usually what decides whether a headline rate is real.

This is a table. Your wallet is a decision.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and needs no bank connection.

Download on the App Store See how it works

Other markets

The same working, for the other countries in the catalogue.