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Allegiant World Mastercard® Credit Card review

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Earn points in the myAllegiant Rewards program.

  • Get this card if you often fly Allegiant or eat out often.
  • Pick something else if you won’t spend in the card’s elevated-rewards categories.
  • Apply with a good to excellent credit score of 670 or higher.

15,000

Points as welcome offer

Up to 3x

Points

$59

Annual fee

17.24% to 24.74%

Purchase APR (variable)

Details

Product NameAllegiant World Mastercard® Credit Card
Card typeMastercard
Annual fee$59
Purchase APR17.24% to 24.74% variable
Balance transfer APR0% intro for the first 12 statement closing dates following the opening of your account (then 16.74% to 24.74% variable)
Balance transfer fee$5 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
Penalty APR29.99% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $38
Returned payment feeUp to $27
Additional cardholder fee$0

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards, banking and investments writer who has written over 450 Finder articles. As a digital nomad, Kevin gained experience with credit and debit cards, foreign transactions, exchange rates and budgeting strategies. Now, he aims to help you get the credit cards you need to travel the world like a pro, too.

Expert review

Rewards-wise, Allegiant Air is an anomaly. While other airlines let you earn rewards by flying with them, Allegiant only lets you earn points with its cobranded credit card.

The card offers good rewards if you’re a frequent Allegiant flyer, and you can earn elevated points for eating out. If you only spend a little in either category, you might get more out of a general travel or a different cobranded card.

Another travel rewards card

American Express® Green Card

  • Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
  • Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new card in your first 3 months.
  • Earn 3x Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn 3x Membership Rewards® points at restaurants worldwide.
  • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership.
  • Receive up to $100 in statement credits per year on your LoungeBuddy purchases. Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required.
  • No foreign transaction fees.
  • $150 annual fee.
  • Terms apply.
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The perks

  • Signup bonus: 15,000 myAllegiant bonus points.
    To earn this bonus, make $1,000 in purchases within the first 90 days of account opening. Each myAllegiant point is worth 1 cent, according to Allegiant Air at the time of writing. That means 15,000 points are worth $150. This can be a relatively low signup bonus compared to competing cards.
  • Rewards: Up to 3x myAllegiant points.
    Earn 3x points on Allegiant purchases, including flights, hotel stays, car rentals and attractions. This gives you a good 3% rewards rate. Earn 2x points on qualifying dining purchases, which will help you earn myAllegiant awards even if you travel only a little. Earn 1x points on all other purchases.
  • Extras on each Allegiant flight.
    Show your Allegiant World Mastercard® Credit Card to the gate agent and get priority boarding. Priority boarding — or what Allegiant calls Priority Access — normally costs $4 to $12 per flight. When you show your card to your flight attendant, you’ll receive one beverage at no extra cost. Typically, ultra low-cost carriers withhold complimentary food or beverage items.

Is the annual fee worth it?

The Allegiant World Mastercard® Credit Card has a $59 annual fee, that isn’t waived for the first year.

Each myAllegiant point is worth 1 cent, according to Allegiant. That means you need to earn 5,900 points to break even on your annual fee.

Here’s an example of what you could spend to earn those points:

CategoryAnnual spendingRewards ratePoints
Allegiant purchases$4003x1,200
Qualifying dining purchases1,0002x2,000
Other purchases$2,7001x2,700

What about the Allegiant extras?

The Allegiant World Mastercard® Credit Card‘s annual fee may be worth paying if you can take advantage of Allegiant’s companion-flight deal on eligible vacation packages.

Here are a few Allegiant perks you could get and their example values:

PerkExample Value
Round-trip companion flight for an eligible vacation package$150
Priority boarding$12 each way, $24 for a round-trip flight
Beverage$2 each way, $4 for a round-trip flight

Values are subject to change and should be used only as a general guide.

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  • Intro APR: 0% on balance transfers for the first 12 statement closing dates following the opening of your account.
    After that, a 16.74% to 24.74% variable APR applies. Only transfers that you make within the first 60 days qualify for the intro rate.
  • Companion airfare on qualifying vacation packages.
    You’ll receive a round-trip companion flight when you purchase an eligible vacation package through myAllegiant Member Services.Your package must include a four-night-minimum hotel stay or a seven-day-minimum car rental. To get the companion flight, buy your vacation package with your card.
  • Flexible award redemption.
    You’ll encounter no blackout dates or restrictions on destinations.

What to watch out for

  • Annual fee: $59.
    This is a typical annual fee for a cobranded card from an ultra low-cost carrier. The annual fee isn’t waived for the first year.
  • Penalty APR: 29.99% variable.
    Bank of America may apply this rate to all of your balances if you make a late payment.

Compare airline credit cards

Name Product Welcome offer Rewards Annual fee Filter values
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
40,000 miles after spending $2,000 in the first 3 months plus 25,000 miles after spending $10,000 in the first 6 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro 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 25,000 miles after spending $10,000 in the first 6 months.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
40,000 points after spending $1,000 in the first 3 months
2x points on Southwest Airlines and 1x points on all other purchases
$99
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year
3x Avios on British Airways, 2x on hotels and 1x on all other purchases
$95
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year

Compare up to 4 providers

What should I know before I apply?

You can apply for the Allegiant World Mastercard® Credit Card if you’re at least 18 years old. If you’re a permanent resident of Puerto Rico, you must be at least 21 years old.

Information you’ll need

  • Full name
  • Residential address
  • Phone number and email address
  • Citizenship status and country of residence
  • Date of birth and Social Security number
  • Employment status, total annual income, source of income and monthly housing payment

What credit score do I need?

Consider applying if you have a good to excellent credit score of 670 or higher.

What do customers say about the Allegiant World Mastercard® Credit Card?

Bank of America is accredited by the Better Business Bureau (BBB) and receives an A+ rating from the agency.

With over 220 customer reviews, its average rating is a little over one star. The bank currently has over 5,900 customer complaints, most of which have been answered or resolved according to the BBB.

How to apply for the Allegiant World Mastercard® Credit Card

  1. On the Allegiant World Mastercard® Credit Card website, click Apply now.
  2. Input your personal and financial information.
  3. Review your information and submit your application.

How long will it take to be approved?

Because conditional approval is automated on the Bank of America website, you may get a decision on your application right away. If you’re approved, you’re likely to receive your card in the mail within seven to 10 days.

How do I redeem points from the Allegiant World Mastercard® Credit Card?

To access your points, log in to your myAllegiant account and link your Allegiant World Mastercard® Credit Card.

You can also access them by calling myAllegiant Member Services at 702-800-2088.

According to Allegiant, points are worth 1 cent each based on the dollar value of a flight. So if you redeem points for a $150 flight, you’ll need 15,000 points.

Here’s what you can redeem myAllegiant points for:

  • Flights
  • Hotel stays
  • Car rentals
  • Attractions

Bottom line

The myAllegiant program is unique in that you can only earn its points through the Allegiant World Mastercard® Credit Card.

Though the value of your points is pegged to the dollar cost of each flight, you can earn decent rewards if you spend frequently on Allegiant flights or eating out. The card could also pay for itself if you leverage its companion-flight deal.

If you think you’ll use the card in different ways, consider a general travel card.

Frequently asked questions

Images: Bank of America

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