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Allegiant World Mastercard® Credit Card review

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.


Points as welcome offer

Up to 3x



Annual fee

15.99% to 23.99%

Purchase APR (variable)


Annual fee$59
Welcome Offer15,000 points after spending $1,000 in the first 90 days
Rewards3x points on Allegiant air, hotel, car rental and attractions, 2 points on dining and 1x points on all other purchases
Purchase APR15.99% to 23.99% variable
Balance transfer APR0% intro for the first 12 statement closing dates following the opening of your account (then 15.99% to 23.99% variable)
Recommended minimum credit score670

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

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.

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

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.

You’ll also like…

  • Intro APR: 0% on balance transfers for the first 12 statement closing dates following the opening of your account.
    After that, a 15.99% to 23.99% 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
Delta SkyMiles® Gold American Express Card
Earn 40,000 bonus miles after spending $1,000 in the first 3 months.
Also, earn up to $50 back in statement credits for purchases at US restaurants within the first 3 months of membership
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other eligible purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership
Delta SkyMiles® Blue American Express Card
10,000 miles after spending $500 in the first 3 months
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Terms apply, see rates & fees
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.

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.

Allegiant World Mastercard® Credit Card reviews and complaints.

Bank of America earned a Trustpilot score of 1.3 out of 5 at the time of this writing. Most negative reviews cite unhelpful customer support. Positive reviews often point to the bank’s easy-to-use website.

Bank of America also earns an A+ rating from the Better Business Bureau as of October 2020 and has been accredited since 1949.

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

  • Will I earn rewards on balance transfers to this card?
    No. You’ll only earn rewards on eligible purchases.
  • How long does the penalty APR apply?
    If Bank of America assesses a penalty APR to your account, the rate may apply indefinitely. If you have a strong record of on-time payments, consider asking the bank to revert your APR to your normal rate.
  • Can I use my Bank of America credit card with a digital wallet?
    Yes, you can add your Bank of America credit card to your smartphone. Then you can pay with your card through Apple Pay, Samsung Pay or Google Pay.
  • Do points expire?
    Points stay active unless your Allegiant World Mastercard® Credit Card is closed.

Images: Bank of America

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