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Allegiant World Mastercard
Allegiant World Mastercard
What we like:
No minimums or restrictions on redemption
|Intro Offer||Earn 15,000 Bonus Points after making $1,000 in purchases within first 90 days of account opening|
0% for 12 billing cycles, applied to balance transfers made within 60 days of account opening
|Rewards Rate||3x points per $1 spent on Allegiant purchases|
2x points per $1 spent on qualifying dining purchases
1x point per $1 spent on all other purchases
|Regular APR||17.24% – 25.24%|
When it comes to credit cards, there are definitely a lot of them for you to choose from. MasterCard, one of the leading credit card issuers globally, offers the kitchen sink when it comes to credit cards, ranging from rewards cards, student cards, to travel credit cards. Bank of America (another well-trusted financial company) teamed up with MasterCard, offering the Allegiant World MasterCard, an airline credit card for Allegiant Airline customers. This Allegiant World MasterCard review will cover the benefits and rewards, rates and fees, and our final thoughts.
Benefits & Rewards
Let’s first take a look into the benefits and rewards that come along with the Allegiant World MasterCard. This card is a travel rewards card, offering rewards points on all of your purchases, but it offers the greatest benefits on travel-related purchases.
The Allegiant MasterCard offers a rewards system for making purchases. You can earn 1 point for every dollar that you spend with the card on regular, day-to-day purchases. However, you earn 2 points for every dollar spent at qualifying dining establishments, and 3 points per dollar spent through Allegiant on car rentals, hotels, and air fare (updated 24 July 2017).
To start building your points, you can earn 15,000 bonus points for spending at least $1,000 with the Allegiant World MasterCard during the first 90 days of being a cardholder (updated 24 July 2017)
They even offer BOGO deals on flights when you book your trip through Allegiant while using the Allegiant card. When redeeming points in general, you don’t have to worry about blackout dates, restrictions on destinations, or minimum point balances for redemption. This makes it easy and hassle free to redeem your points.
Aside from their rewards program, a variety of other perks for cardholders are offered. For instance, you can stay protected with their $0 Liability Guarantee against fraudulent purchases. You also get access to their ShopSafe service, giving you added security when you shop online. All cards are also equipped with chip technology for your safety. For convenience if you choose to opt in, they also offer overdraft protection, paperless statement options, online and mobile banking, account alerts, text banking, and access to your FICO score with your bill each month.
Rates & Fees
- Min APR: 13.99%
- Max APR: 23.99%
- Balance Transfer: 13.99% – 23.99%
- Cash Advance: 16.99% – 25.99%
- Annual: $59
- Late Payment: $38
- Balance Transfer: $10 or 5%
- Foreign Transaction: 3%
It is easy to see that the Allegiant World MasterCard has some great perks, but before you decide if it is right for you, check out the rates and fees to make sure it is worth it.
First and foremost, when it comes to fees, there is a $59 annual fee for cardholders. This is charged to your card upon opening your account, and then again each year to renew the card. You may also notice fees charged to your account from balance transfers, cash advances, and foreign transactions. The balance transfer fee is 5 percent or $10; cash advance fees range from 3 percent to 5 percent or $10, depending on the type of advance you take (updated 24 July 2017).
If you opt for overdraft protection, there is a $12 fee for each time the service is utilized on overdrafts greater than $12. All foreign transaction fees will also be charged a 3 percent fee after the transaction has been converted from foreign currency to U.S. dollars. There is a fee for late payments or returned payments known as the penalty fee. Returned payment fees can be up to $27 while late payment fees can be up to $38 (updated 24 July 2017).
In terms of APR, the rates are variable, and can be anywhere from 13.99 percent to 23.99 percent based on your creditworthiness. If you make a balance transfer within the first 60 days of being an accountholder, you can get a 0 percent introductory rate for the first twelve billing cycles. After the introductory period, this rate will revert to the same standard APR on regular purchases. Cash advances typically have a bit higher APR, ranging from 16.99 percent to 25.99 percent. The highest APR on the card is the penalty APR which is 29.99 percent (updated 24 July 2017).
The Bottom Line
So, how does the Allegiant World MasterCard measure up? It seems to have a pretty low annual fee at $59, but consequently, the list of benefits is also slightly less impressive than other competitors’ cards. All in all, however, this is a solid card for those that tend to travel regularly.