Review: Alaska Airlines Visa Signature Card September 2018 | finder.com

Alaska Airlines Visa Signature® Card review – September 2018

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Make the most of flying with a 30,000 signup bonus, 1x miles on Alaska and Virgin and 3x miles on everyday spending.

30-second take

  • Get this card if you fly Alaska Airlines and Virgin America and often travel with a companion.
  • Pick something else if you’re looking for a more robust rewards card or free airport lounge access.
  • Good to excellent credit score of 680 or higher recommended.

The Alaska Airlines Visa Signature® Card comes from Bank of America’s series of travel credit cards. If you frequently fly Alaska and Virgin America, it offers 1x miles for purchases on these airlines coupled with travel perks that sweeten the deal.

Product NameAlaska Airlines Visa Signature® Card
Card TypeVisa
Annual Fee$75
APR (Annual Percentage Rate) for Purchases16.74% to 24.74% variable
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate19.74% to 26.74% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 25 days
Minimum Interest$1.5
Late Payment FeeUp to $38
Returned Payment FeeUp to $27
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 30,000 miles after spending $1,000 in the first 90 days
Reward Value per Dollar1 miles
Rewards Points ExpiryNever

The basics

The Alaska Airlines Visa Signature® Card offers a generous 30,000-mile signup bonus when you spend $1,000 or more in the first 90 days after opening your card. You’re also eligible for a discounted companion fare that starts at $121 with no blackout dates. As for spending, you’ll earn 3x miles on purchases made directly with Alaska Airlines and Virgin America and earn 1x miles for all other purchases.

Other travel benefits — like free bag checks for you and six others, no cap on the miles you can earn and no foreign transactions fees — can make this card well worth the $75 annual fee, especially if you’re a frequent traveler on Alaska or Virgin America. If you tend to fly other airlines, you might want to find another airline card.
Alaska Airlines Visa Signature® Card vs. other Bank of America travel cards

Alaska Airlines Visa Signature® Card Bank of America® Travel Rewards credit card Spirit Airlines World Mastercard®
Annual fee $75 $0 $0 intro fee for the first year; after that, annual fee will be $59
Signup bonus 30,000 25,000 points 15,000 miles
Earning miles 1x miles for Alaska Airlines and Virgin America purchases, 3x miles for all other purchases 1.5x points on all purchases x miles on everyday purchases
Foreign transaction fee 0% 0% 3% of each transaction in US dollars

Each Bank of America travel card comes with basic mileage rewards. But how many miles you’ll earn and how much you’ll pay in annual fees will vary. Consider how much you spend on airfare or airlines to see whether the annual fee is worth it.

  • Annual fee. Unlike the no-fee Bank of America® Travel Rewards credit card, the Alaska Airlines Visa Signature® Card and Spirit Airlines World Mastercard® come with an annual fee.
  • Signup bonus. All three cards offer bonus miles if you meet basic spend requirements, which range from 15,000 miles to 30,000 miles.
  • Verdict. With an annual reduced companion fare, the Alaska Airlines Visa Signature® Card card could be a better card for your fee.
  • Mile earnings. Though you’ll earn a flat miles-per-dollar reward for all spending on BankAmericard and Spirit Airlines cards, Alaska Airlines Visa Signature® Card adds three times the miles per dollar for purchases with Alaska Airlines and Virgin America specifically.
  • Verdict. If you’re a frequent Alaska or Virgin American flier, you can get more for your spending with the Alaska Airlines Visa Signature® Card.

The perks

  • Signup bonus.

    Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of account opening..

  • Alaska’s Companion Fare.

    Spend $1,000 in the first 90 days after account opening, and you’ll receive a code each year on your annual account anniversary date good for one round-trip coach Companion Fare on Alaska Airlines or Virgin America. You pay only taxes and fees.

  • Unlimited miles.

    Earn 3x miles on direct purchases with Alaska Airlines and Virgin America and 1x miles on all other purchases, with no cap on the miles you can collect.

  • Redeem miles with a range of airlines.

    Redeem your miles for tickets not only for Alaska and Virgin America flights, but also for Air France, American Airlines, KLM, Korean Air, Qantas and Japan Airlines.

You’ll also like…

  • Free bag check.

    Check one free bag for you and up to six other passengers each on the same reservation.

  • No foreign transaction fees.

    Purchase what you need and want overseas without paying a fee.

  • Security and protection.

    This chip-enabled card offers enhanced security and comes with a $0 liability guarantee for fraudulent transactions.

What to watch out for

  • Annual fee.

    Although $75 is a reasonable fee for a travel card, paying it won’t serve any purpose if you don’t use the card to earn and redeem rewards.

  • Potentially high penalties.

    Late payments and returned checks can leave a dent in your wallet. This card comes with a penalty APR of up to 29.99% variable.

Consider other cards if…

  • You’re not a frequent flyer with Alaska Airlines.

    If you’re looking for greater flexibility in earning and redeeming reward miles, consider getting a more general travel card.

  • You want cash back.

    You won’t earn cash back with the Alaska Airlines Visa Signature® Card. If cash back is what you’re after, consider comparing some of the top cash back cards.

Compare travel credit cards

Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 60,000 points after spending $5,000 in the first 3 months
1 points
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Earn 25,000 points after spending $2,000 in the first 3 months
1 points
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
Earn 25,000 points after spending $1,000 in the first 90 days
1.5 points
16.74% to 24.74% variable
$0
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 points after spending $3,000 in the first 90 days
1.5 points
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Earn 50,000 miles after spending $3,000 in the first 3 months
2 miles
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months
1 miles
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
Earn 40,000 points after spending $1,000 in the first 3 months
1 points
17.74% to 24.74% variable
$99
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open

Compare up to 4 providers

What to know before you apply

To apply for the Alaska Airlines Visa Signature® Card you must be :

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

You’ll have a better chance at being approved for the Alaska Airlines Visa Signature® Card with a good to excellent credit score of 680 or higher.

How to apply for the Alaska Airlines Visa Signature® Card

  1. On the Alaska Airlines Visa Signature® Card website, click Apply Today.
  2. Complete the application with your personal and financial information and click Review your information.
  3. Confirm that your information is correct and submit your application.

How long will it take to be approved?

The website automates conditional approval, so you’ll find out about your application’s status almost as soon as you submit it online. Based on your creditworthiness and other factors, Bank of America will approve you for either the Visa Signature or Platinum Plus card.

I got the card. Now what?

  • Make payments. Bank of America’s online banking platform gives you an easy way to make payments at any time from anywhere.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. Call customer support at 800-732-9194 or use the automated assistant Ask Jenn for live help.

Bottom line

The Alaska Airlines Visa Signature® Card is a solid travel card for frequent fliers on Alaska Airlines and Virgin America, offering 3x miles on direct travel spending and 1x on all other purchases.

Frequently asked questions

Images: bankofamerica.com

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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