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Allegiant World Mastercard Review

overall rating

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The Allegiant World Mastercard offers a bonus of 15,000 points with qualifying spending, 3 points per dollar spent on Allegiant purchases, 2 points per dollar on dining, and 1 point per dollar on other purchases. This card has a $59 annual fee, but Allegiant's buy one, get one airfare promotion can help justify this cost.

Allegiant World Mastercard®

Overall Rating
Allegiant World Mastercard®
On Bank of America's Secured Site.
Current Offer

Earn 15,000 Bonus Points – equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of your account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 28.24% variable
Annual Fee $59
Rewards Earning Rate 3 points per $1 on eligible Allegiant purchases, 2 points per $1 on qualifying dining purchases, 1 point per $1 on all other purchases.
Balance Transfer Fee Either $10 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Allegiant World Mastercard is not one of our top-rated airline credit cards. You can review our list of the best airline credit cards for what we think are better options.

Full Review of Allegiant World Mastercard

  • Buy one, get one airfare with qualifying vacation package purchase

  • Bonus points on Allegiant purchases

  • One free drink on Allegiant flights

  • Priority boarding

  • Annual fee

  • Few redemption options

  • Poor rewards earning rates on non-Allegiant purchases

Pros Explained

  • Buy One, Get One Airfare with Qualifying Vacation Package Purchase: The primary cardholder can earn one round-trip companion airfare per purchased itinerary on Allegiant when they book a flight and a minimum four-night hotel stay or minimum seven-day rental car through myAllegiant Member Services. The cardholder must use their Allegiant World Mastercard and be a passenger on the itinerary, and both their airfare and their companion's airfare must be booked at the same time. Point redemptions are not valid for the buy one, get one free airfare.
  • Bonus Points on Allegiant Purchases: You can earn 3 points per dollar spent on Allegiant purchases. This includes more than airfare. Hotel, car rental, and attraction purchases made through Allegiant also qualify. 
  • One Free Drink on Allegiant Flights: Whenever you fly on Allegiant, show your Allegiant credit card to the flight attendant when ordering your first beverage and it will be free. Other credit cards tend to offer in-flight discounts on drinks and food, so this is a rare perk.
  • Priority Boarding: Show your Allegiant credit card to the gate agent for complimentary priority boarding on Allegiant flights.

Cons Explained

  • Annual Fee: This card comes with a $59 annual fee not waived in the first year. Unless you’re a frequent Allegiant customer or can take advantage of the buy one, get one airfare, the other benefits this card offers may not justify the annual fee.
  • Few Redemption Options: Many rewards programs allow you to redeem your points in multiple ways, even if they don’t all offer outstanding value. The myAllegiant Rewards program only lets you use your points to book airfare, hotels, rental cars, and attractions through You have no other redemption options and are restricted from booking hotel-only travel with your points.
  • Poor Rewards Earning Rates on Non-Allegiant Purchases: Earning 3 points per dollar on Allegiant purchases is a nice benefit, but the other rewards earning categories are poor. You earn 2 points per dollar on dining purchases, which can easily be matched or exceeded by other rewards credit cards with no annual fee. There are no other bonus categories, so all other purchases earn just 1 point per dollar.

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler

The Allegiant World Mastercard is for frequent Allegiant fliers who can take advantage of its benefits. The card doesn’t offer the best points earning opportunities, as both the bonus and points earning rates on purchases (except Allegiant purchases) are lower than similar rewards credit cards. 

You can use the points you earn only to book awards through Allegiant, so you need to fly Allegiant enough to at least redeem them all. The buy one, get one airfare with a vacation package purchase, priority boarding, and free beverage on Allegiant flights may justify the $59 annual fee for some travelers.

Allegiant World Mastercard Bonus

This card currently offers 15,000 bonus points after you make $1,000 or more in purchases within the first 90 days of opening your account. The 15,000 points are worth $150 off your next Allegiant purchase, according to Allegiant. This is a relatively poor bonus for a card with an annual fee. Cards without annual fees currently offer higher bonuses and with lower or similar spending requirements.

You are limited to 1 bonus offer per new account, and your account must be open with active charging privileges to receive the offer. Points will be credited to the account within the first two billing cycles after qualifying for the bonus.

Rewards Earning Details

This card has three different points earning rates, depending on your purchases. You’ll earn 3 points per dollar spent on Allegiant purchases. This includes air, hotel, car rental, and attraction purchases made through Allegiant. You’ll also earn 2 points per dollar spent on dining and 1 point per dollar on all other purchases.

There aren't any limits to the points you can earn, and your points don't expire. However, your points will be forfeited if your Allegiant World Mastercard account is closed for any reason. 

Rewards Redemption Details

You can redeem your points for flights, hotels, car rentals, and attractions when booking through Allegiant. There are no blackout dates, but you can’t use points for hotel-only bookings. You can use your points for up to the full purchase price, including taxes and fees. Points are valued at 1 cent each, based on Allegiant’s valuations.

Essentially, there are no minimum reward redemption requirements, as redemptions start at as little as 1 point. If you have enough points to cover the full itinerary, you won’t have an option to pay for it with a combination of cash and points. Instead, you must redeem points for the full cost of the award. If you have less than the number of points required for award redemption, you must redeem your full point balance toward the award.

How to Maximize Your Rewards

You can maximize your earnings by putting as many purchases as possible on this card. However, a simple 2% cash-back card with no annual fee would provide the same or greater value for all your spending other than Allegiant purchases and dining.

When it’s time to redeem your rewards, you can maximize their value by looking for the best deals on the itineraries you book through Allegiant.

Allegiant World Mastercard's Outstanding Benefits

  • Buy one, get one airfare with the purchase of a vacation package
  • Priority boarding
  • Zero liability guarantee for the fraudulent activity

Standard Benefits

  • Free FICO score
  • Digital wallet capabilities
  • Several security alert options

Cardholder Experience

Bank of America issues the Allegiant World Mastercard. It scored 805 out of 1,000 in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study. That was slightly below the national issuer average of 809.

To reach Bank of America's customer service team anytime, you can call the number on the back of your card or 800-732-9194. You can also monitor your account online or by using the Bank of America mobile app. 

The card also provides a free monthly FICO score from TransUnion, which you can use to monitor your credit.

Security Features

This card offers chip functionality that can provide enhanced security and is useful when traveling overseas, where some terminals, kiosks, and vending machines only accept cards with that technology. Otherwise, this card's security features are standard for the industry.

Fees to Watch out For

The Allegiant World Mastercard has a $59 annual fee that is not waived for the first year, unlike other credit cards. It also comes with a variable penalty APR of up to 29.99% that may apply indefinitely to new purchases if you make a late payment. It does not charge any foreign transaction fees.

Our Verdict

Unless you frequently fly Allegiant airlines, this credit card likely won’t be a good fit for you. The points earning rates aren’t especially generous, and you can only use your points for Allegiant purchases. Plus, there's that $59 annual fee.

If you do fly Allegiant regularly, the perks this card offers may more than justify the annual fee. The bonus of 15,000 points for spending $1,000 or more in the first 90 days is worth $150, and the buy one, get one airfare when you purchase a qualifying vacation package can result in decent savings. Add in priority boarding and a free beverage, and frequent Allegiant fliers could find enough value in the benefits to justify applying for this card.

Next Steps
For Allegiant World Mastercard®
on Bank of America's Secured Site.
Compare This Card
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Allegiant World Mastercard®
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 28.24% variable
Annual Fee $59
Rewards Earning Rate 3 points per $1 on eligible Allegiant purchases, 2 points per $1 on qualifying dining purchases, 1 point per $1 on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.