Allegiant Credit Card Review 2024 – Not for Most Travelers

If you are an Allegiant loyalist, then the Allegiant Credit Card can be a good fit for you. The Allways Rewards Visa® Credit Card has an annual fee of $59 and is ideal for the frequent flyer of the airline Allegiant.

The Allway Rewards Visa Credit Card is issued by the Bank of America, offers decent points on Allegiant Airlines. You earn 3 points per $1 on Allegiant purchases (air, hotel, and car rental), 2 points per $1 on qualifying dining purchases and 1 point per $1 spent on all other purchases. The Allegiant Credit Card comes with a welcome bonus of 15,000 bonus points equal to $150 off a future Allegiant purchase after you spend $1,000 on purchases within the first 3 months of card activation.

The card allows you to earn Allways Reward Points which can be used at Allegiant.com. However, the card is good fit for frequent flyers, but offer less value in other categories.

Let’s find out more about this credit card.

Allegiant Credit Card Review

The Allegiant Reward Visa Credit Card is an ideal credit card, if you are an Allegiant Airline loyalist, otherwise the card no attractive benefits to justify its annual fee, especially when compared to other travel credit cards.

If you mostly travels to Allegiant routes, make purchases and prefer to travel with companies, then the Allegiant Credit Card could make sense for you. But, the travel credit card is not suitable for most travelers, as other general travel credit card offer better perks and rewards.

Allways Rewards Visa® Credit Card Highlights

Annual Fee$59
Welcome Bonus15,000 Bonus Points
Regular APR20.24% – 28.24% (variable)
Credit ScoreExcellent/Good

Key Features of Allegiant Credit Card

  • Annual fee: The card has an annual fee of $59.
  • Welcome Bonus: The card comes with a welcome bonus of 15,000 bonus points online offer after you spend $1,000 on purchases within the first 3 months of card activation.
  • Rewards: You earn 3X points on Alleginat purchases (air, hotel, and car rental), 2X points on qualifying dining purchases, and 1X points on all other purchases.
  • Regular APR: 20.24% to 28.24 variable APR on purchases and balance tranfers. The balance fee of either $10 or 3% of each transfer, whichever is higher, applies.
  • Other perks: You get Buy One Get One Free Airfree Offer, Complimentary Priority Boarding, and one free beverage.
  • Credit Score: Good to excellent credit score is required to get approval.

Allegiant Credit Card Reward Points

Reward Earning

Along with the 15,000 welcome bonus, the card offer you reward points in the following categories:

  • Earn 3 points per $1 spent on Allegiant purchases (air, hotel, and car rental).
  • Earn 2 points per $1 spent on qualified dining purchases.
  • Earn 1 points per $1 spent on all other purchases.
Reward Earning from Allegiant credit card

Reward Redemption

The reward points you earned can only be redeemed for airfare, hotels and car rentals on Allegiant.com. at a rate of 1 cent per point, which means 15,000 Allways points are worth $150 in travel redemption. The points will not expire as long as your accout is open. There is no blackout dates, restrictions or minimums on redemptions! However, you cannot get cashback.

» MORE: 7 Best Credit Card to Book Flights 

Rate and Fees of Allegiant Credit Card

Annual fee$59
APR for purchases20.24% to 28.24% (based on your creditworthiness)
APR for Balance Transfers20.24% to 28.24% (based on your creditworthiness)
APR for Cash Advances23.24% to 29.24% (based on your creditworthiness)
Transaction fee3% of each transaction
Penalty FeeUp to $40
Penalty APR29.99%
Foreign Transaction feeNone

Other Benefits of Allegiant Credit Card

  • Buy One Airfare, Get One Free: Use your Allways Rewards Visa® Credit Card to purchase a vacation package from Allegiant with seven or more rental card or 4 or more hotel nights on the same itinerary and you willl get one airfare free.
  • Complimentary Priority Boarding: Get Priority boarding every time you fly when you present Allegiant credit card.
  • Complimentray Free Beverage: You get a complimentary beverage when you present your card at Allegiant Airline.
  • Contactless Chip Technology: The card has contactless chip technology. Just simple tap to pay where you see the Contactless symbol. This make purchases quickly, easily at millions of locations.
  • FICO Score: You can access your FICO score monthly.

Pros & Cons of Allegiant Credit Card

  • High rewards on Allegiant Credit Card.
  • Decent welcome bonus.
  • You get buy one, get one free airfare when you use your Allways Rewards Visa Credit Card.
  • Priority boarding and complimentary beverage every time you fly Allegiant Airline.
  • No blackout dates, restrictions or minimums on redemptions.
  • Low rewards on other categories.
  • No 0% intro APR offer.
  • There is limited airline footprint.

Comparison With other Credit Cards

Let’s compare the Allways Rewards Credit Card With other similar cards:

Allegiant Card vs. Chase Sapphire Preferred® Card

Allegiant Credit Card vs. Chase Sapphire Preferred® Card
Allegiant Credit Card vs. Chase Sapphire Preferred® Card

If you prefer other airlines than Allegiant, then you should consider the $95 annual fee credit card Chase Sapphire Preferred® Card. This card allows you to earn 5 points per $1 spent on travel purchased through Chase Ultimate Rewards, 3 points per $1 spent on dining, selected streaming services, online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

You can redeem these reward points for cashback, gift cards or merchandise or you can transfer to Chase’s travel loyalty partners at a 1:1 rate. The benefits of this card makes it a much better credit card than Allegiant Credit Card.

Allegiant CardChase Sapphire Preferred® Card
Annual Fee$59$95
Regular APR20.24% to 28.24%21.49% to 28.49%
Rewards3 points points per $1 spend on Allegiant Purchases 5 points per $1 spent on travel purchased through Chase Ultimate Rewards
Credit ScoreGood/ExcellentGood/Excellent

Allegiant Card vs. Discover it® Miles Credit Card

Allegiant Credit Card vs. Discover it® Miles Credit Card
Allegiant Credit Card vs. Discover it® Miles Credit Card

If you want a $0 annual fee card, then the Discover it® Miles is the best credit card for you. The card offer flexible and reliable rewards than Alleginat Card, that fits your travel needs.

You earn 1.5X miles per $1 spend on all purchases with no limits how you earn, and 2X miles with your first year as welcome bonus. You can redeem the rewards for cash. The card also offer 0% APR for 15 months on purchases and balance transfers.

The $0 annual fee Discover it® Miles Credit Card offers much better value than Allegiant Card.

Allegiant Card Discover it® Miles
Annual fee$59$0
Regular APR20.24% to 28.24%17.24% to 28.24%
Rewards3 points points per $1 spend on Allegiant Purchases 1.5X miles per $1 spend on all purchases
Credit ScoreGood/ExcellentGood/Excellent

Summary of Allegiant Credit Card

Annual Fee$59
Annual APR20.24% to 28.24% on purchases and balance transfers
Rewards3 points per $1 spent on Allegiant purchases (air, hotel, car rental and attractions)
2 points per $1 spent on qualifying dining purchases (fast food is excluded)
1 point per $1 spent on all other purchases.
Foreign Transaction feeNone
Other BenefitsDecent welcome benefits, complimentary Priority boarding, free beverage, no blackout dates

» MORE: Crate and Barrel Credit Card Review

Should you apply for Allways Rewards Visa Card?

The Allegiant Credit Card offers decent value to consumers who regularly fly through Allegiant Airlines. The card offers little flexibility for reward points because you can only redeem the reward points at Allegiant. A simple cashback credit card might give you more value than Allegiant card.

But, the buy-one-get-one-airfare feature for vacation package purchase is a nice feature of this card. If you are Allegiant Air loyalist and fly frequently with the said airline, then you might get benefit from the credit card, because you will earn decent reward point with Allegiant Purchases.

However, if you prefer other airlines and want to earn more rewards, then this may not be the right card for you.

Allways Rewards Visa Card Related FAQs

What is the annual fee of Allegiant Credit Card?

The annual fee of the Allegiant Credit Card card is $59.

What credit score is required for Allways Rewards Credit Card?

The Bank of America does not set a minimum credit score for approval of the Allegiant Credit Card. However, a credit score of 670 or higher is considered good for this credit card. Plus, keep in mind there is no exact credit score for guaranteed approval.

Which bank issues the Allegiant Credit Card?

The Allegiant Credit Card is issued by the Bank of America.

What is the foreign transaction fee of Allegiant Credit Card?

The credit card does not charge any foreign transaction fee.

What is the regular APR of the Allegiant Card?

The Allegiant Card has a regular annual APR of 20.24% to 28.24%.

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