Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Allegiant World Mastercard® Credit Card review

Last updated:  

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

15.99% to 23.99%

Purchase APR (variable)

Details

Product NameAllegiant World Mastercard® Credit Card
Card typeMastercard
Annual fee$59
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)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate18.99% to 26.99% 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 $40
Returned payment feeUp to $29
Additional cardholder fee$0

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards writer whose work and analysis have appeared on CNN, U.S. News & World Report, The Dallas Morning News, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- 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.

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
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
United℠ Explorer Card
40,000 miles after spending $2,000 in the first 3 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.
United Club℠ Infinite Card
N/A
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
$0 intro annual fee for the first year ($525 thereafter)
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
Southwest Rapid Rewards® Premier Credit Card
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.
loading

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

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site