Allegiant credit card
$59
15,000 Allegiant miles
$1,000 initial spend
($75 net value, .08/$)
3x Allegiant Purchases
2x Dining
1x Everything Else
3% Foreign Transaction Fee
The Allegiant card isn't particularly interesting. The signup bonus is small and the credit card doesn't even give you free checked bags on Allegiant. However, if you fly on Allegiant once or twice per year for vacation travel, it might be worthwhile to get the card to take advantage of its 2-for-1 airfare benefit on the purchase of a vacation package.
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Collecting the Signup Bonus
Allegiant doesn't have a traditional frequent flyer program. Instead, the Allegiant credit card earns points that you redeem, like cash, for purchasing Allegiant tickets, vacation packages, or other travel. Points are worth 1 cent each. Points are convenient to use, as you can spend whatever points you have and pay the rest with cash.
Most people shouldn't bother getting this card, just for the signup bonus. After subtracting the annual fee and the opportunity cost of using the card for $point of spending, the calculated net value for the initial year is $15000 (Expression error: Unrecognized word "point". cents per dollar spent). There are better options available from Bank of America. The Best Credit Card Signup Bonuses.
Notable Benefits
- 2-for-1 airfare when you buy Allegiant travel packages. The travel package must include at least four hotel nights or at least seven car rental days. On more expensive trips this can save you some money, despite the fact that even the free tickets will often require you to pay extra fees for things like carry-on bags and seat assignments. You can use this benefit multiple times per year.
- Priority boarding. You need to be prepared to show your Allegiant card.
- Access to Mastercard luxury hotel program. When you book at one of the participating hotels, you'll get an number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks
- Free ShopRunner membership. Like all World Elite Mastercards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner
- DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase.
- Free museum entry. As with all Bank of America credit cards, you'll get free admission to hundreds of museums on the first weekend of every month. Admission is for the cardholder only. Guests are not included, nor are any special exhibitions and other ticketed shows. Museums on Us.
- BankAmeriDeals. Bank of America has a shopping discount program that works like Amex Offers. To get each discount, you'll need to "activate" it through their website. Once activated, discounts are automatically applied when you use your card for the corresponding purchase. Most deals are cash-back based (typically 10%). BankAmeriDeals.
Bonus Categories
- You are better off making your Allegient purchases with a card that earns a higher reward rate for airfare spending. 3x Allegiant miles is okay but not as good as what you'd earn from one of the better cards.Best Credit Cards for Travel Spending.
- There are better options for your restaurant purchases. 2x Allegiant points might be more valuable than what you would get from a good general-purpose reward card, but you can earn even more valuable rewards with other cards. Best Credit Cards for Restaurant Spending.
- You don't want to use this card for your everyday spending. You'll earn higher rewards from a good general-purpose reward card. Get a Great General Purpose Reward Card and Use It for All of Your Spending.
Getting Rid of the Card
You can cancel without worrying about losing your Allegiant miles. Once you earn them, they are treated like any other miles in your account.
If you no longer want your Allegiant card consider changing it to a no-annual-fee BOA Cash Rewards Card, rather than cancelling it. The Cash Rewards card earns 3% on your first $2,000 of spending in a category of your choice, including a very broad "online purchases" category. If you have over $100,000 in assets at Bank of America and Merrill Lynch (including in a low-fee Merrill Lynch retirement account), you'll get a 75% points bonus, increasing the reward rate to 5.25%. You can only signup for this card if you don't already have one (or one of Bank of America's many other cards that have the same earning structure). But, you can product change to it, regardless of how many other Cash Rewards cards you have, allowing you to increase the amount of bonus rewards you can earn each quarter.