Review: Allegiant World Mastercard September 2018 | finder.com

Allegiant World Mastercard® review – September 2018

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Get a generous signup bonus and up to 3x points on spending with this travel card for fans of Allegiant.

30-second take

  • Get this card if… you’re looking to earn points toward travel through the no-frills Allegiant Air.
  • Good to excellent credit score of 680 or higher recommended.

The Allegiant World Mastercard® is part of a series of travel cards offered by Bank of America. This one comes with a $59 annual fee, but if you’re a frequent traveler on the no-frills carrier Allegiant, you can quickly rack up points, bonuses and buy-one-get-one perks for use toward airfare, hotels, car rentals and travel attractions — more than making up for its cost.

Product NameAllegiant World Mastercard®
Card TypeMastercard
Annual Fee$59
APR (Annual Percentage Rate) for Purchases16.74% to 24.74% variable
Introductory Balance Transfer APR 0% 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 5% of the transaction, whichever is greater
Cash Advance Rate16.74% to 26.74% variable
Cash Advance Fee$15 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

The basics

The Allegiant World Mastercard® is a simple rewards card for bargain-loving travelers of this small, regional airline. In fact, it’s the only points program offered by Allegiant.

Off the bat, you can earn 15,000 bonus points after spending $1,000 in the first 90 days after opening your account — which is equal to $150 off your next Allegiant trip with no blackout dates. Tiered spending rewards include 3x points on all air, hotel, car rental and other travel purchases through Allegiant, 2x points on qualifying dining purchases and 1x points on everyday spending.

If you’re considering transferring a balance from an existing card, this card’s 0% intro APR on balance transfers for 12 statement closing dates following the opening of your account is a great perk. But to get these benefits, you’ll pay an annual fee of $59.

Allegiant World Mastercard® vs. other Bank of America travel cards

Allegiant World Mastercard®Bank of America® Travel Rewards credit cardSpirit Airlines World Mastercard®
Annual fee $59 $0 $0 annual fee for the first year ($59 thereafter)
Signup bonus15,000 Points25,000 Points15,000 Miles
Earning potential3x Points for Allegiant purchases, 2x Points for qualifying dining purchases, 1x Points for all other purchases1.5x Points on all purchasesx Miles on everyday purchases
Redeeming rewardsRedeem awards through Allegiant.comRedeem points for statement credit or flights, hotels, vacation packages, cruises, rental cars or baggage feesRedeem awards online with Spirit
Foreign transaction fee None None 3% of the transaction value

You’ll earn rewards no matter which Bank of America travel card you select. What varies is how much you pay in fees, the number of miles or points you’ll earn and how you can redeem them when you’ve earned enough to cash in.

  • Annual fee. The Allegiant World Mastercard® cards come with annual fees of $59, whereas the Bank of America® Travel Rewards credit card card is a no-annual-fee card.
  • Signup bonus. All three cards offer signup bonuses of 15,000 to 30,000 miles or points if you meet basic spend requirements.
  • Verdict. In addition to its signup bonus points, the Allegiant World Mastercard® offers buy-one-get-one airfare with the purchase of a vacation package from Allegiant, which could tilt the scale in its favor if you’re a frequent traveler with this airline.
  • Rewards earnings. The Allegiant World Mastercard® offers tiered spending rewards of up to 3x points on Allegiant purchases, while the Bank of America® Travel Rewards credit card and Spirit Airlines World Mastercard® offer higher rewards per dollar for everyday spending.
  • Verdict. If you’re a frequent flier with Allegiant Air, this one’s a no-brainer: you’ll earn more points more quickly on your favorite airline.

The perks

  • Signup bonus.

    Get 15,000 bonus points when you spend $1,000 within the first 90 days after account opening.

  • Tiered rewards points.
    3x points on all air, hotel, car rental and other travel purchases through Allegiant, 2x points on qualifying dining purchases and 1x points on everyday spending.
  • Buy-one-get-one airfare with travel packages.

    Get two-for-one fares when you book four or more hotel nights or seven or more car rental days on the same itinerary through Allegiant.

  • Easy online redemption.

    Redeem your points through Allegiant.com for flight tickets, hotel rooms or car rentals. No blackout dates apply.

You’ll also like …

  • Priority boarding or beverage.

    Carry your card for complimentary priority boarding and one free beverage every time you fly with Allegiant Air.

  • 0% intro APR on balance transfers.

    Consolidate outstanding balances from other cards and pay no interest on these transfers for 12 statement closing dates following the opening of your account. Offer applies on balances transferred within 60 days of account opening.

  • Security and protection.

    This chip-enabled card comes with a $0 liability guarantee for fraudulent transactions. You can also sign up for email or text security alerts or optional overdraft protection.

What to watch out for

  • Annual fee.

    Although Allegiant World Mastercard® isn’t much to pay for a travel card, the card serves no purpose if you don’t use it to earn and redeem rewards with Allegiant Air.

  • Potentially high penalties.

    Late payments can cost you up to $38 along with a penalty APR that stays at up to 29.99% variable indefinitely.

Consider other cards if …

  • You don’t fly with Allegiant Air.

    If you fly other airlines more often, consider a more flexible rewards card.

  • You want cash back.

    Unlike other rewards cards that offer cash back, the Allegiant World Mastercard® does not.

Compare travel credit cards

<h3 class=”header-sideline”>Compare travel credit cards</h3>

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

Apply for the Allegiant World Mastercard® if you’re:

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

What credit score do I need?

Your chances of approval for the Allegiant World Mastercard® increase with a good to excellent credit score of 680 or higher.

How to apply for the card

1. On the Allegiant World Mastercard® website, click Apply Now.
2. Provide your personal and financial information and click Review your information.
3. Confirm that the information is correct before submitting your application.

How long will it take to be approved?

You’ll find out about your application’s conditional approval almost as soon as you submit it online.

I got the card. Now what?

  • Make payments. Register with Bank of America online to make payments toward your account balance at any time.
  • Avoid interest. After each billing cycle, the bank gives you at least 25 grace days to pay off your outstanding balance. Purchases start attracting interest only after this period.
  • Avoid fees. Late and returned payments can cost you up to $38 and $27, respectively. While you’ll pay no interest on balance transfers for the first 12 statement closing dates following the opening of your account, you will pay a balance transfer fee.
  • Customer service. BofA’s automated assistant Ask Jenn provides live help, or you can call customer support at 800-732-9194. Connect with BofA on Facebook or on Twitter @BankofAmerica.

Bottom line

The Allegiant World Mastercard® is the only way for you to earn points toward travel through this no-frills, low-cost airline. If you’re looking for flexibility in redeeming your rewards, consider another travel card.

Common questions about Allegiant World Mastercard®

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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