Allegiant is built for the once-or-twice-a-year vacation flyer, so it makes sense that the airline pushes its co-branded card hard at checkout. The big draw is a free companion flight perk, and that can sound like a no-brainer. But like any airline card, the Allegiant credit card only pays off if you fly the airline enough to clear the annual fee.
The Allegiant credit card is the Allegiant World Mastercard, issued by Bank of America. It earns points on Allegiant travel and everyday spending, and it bundles in a few perks aimed at people who book Allegiant regularly. Let me break down the real costs and who it actually fits.
What Is the Allegiant Credit Card?
The Allegiant credit card is a co-branded airline card. Its value is tied to Allegiant, so the points are most useful when you book Allegiant flights, hotels, car rentals, and packages.
This is not a flexible travel card. If you mostly fly other airlines, the points will be tricky to use, since they are best redeemed inside the Allegiant ecosystem.
Fees and APR
As of June 2026, the Allegiant World Mastercard charges a $59 annual fee. The variable purchase APR runs from about 20.24% to 28.24%, depending on your creditworthiness and other factors. APRs vary by creditworthiness.
Rates and perks can change, so check Allegiant's website for current fees and APR before you apply. Terms and conditions apply.
The free flight perk
A standout feature is a buy-one-get-one companion fare on Allegiant flights, typically available after meeting an annual spending requirement. If you travel with a partner or family member, that perk alone can cover the $59 fee. Just confirm the current rules, since these offers change over time.
Who Should Consider It
The Allegiant credit card fits a narrow but real audience. You get the most out of it if you fly Allegiant at least a couple of times a year and you travel with a companion who can use the BOGO fare.
If you rarely fly Allegiant, the points and perks will mostly sit unused. In that case, a no-annual-fee card is usually the better call.
Approval Odds and Credit Requirements
Airline cards typically look for good to excellent credit. If your score is still building, you may be turned down, and each hard inquiry can cost you a few points temporarily.
This is the trap many first-time applicants fall into. Applying before your credit is ready can backfire. If you are unsure about approval, it is wiser to build your credit first and apply later.
How to Build Credit Before You Apply
If your credit is thin or rebuilding, a secured or starter card is a much better first step than an airline card. Firstcard helps you compare cards designed for this exact stage. You can browse Firstcard for credit-building picks.
Here are a few trusted options that report to the major credit bureaus.
Cards that help you build
The Self Visa® Credit Card combines a credit-builder account with a secured card, so you grow savings and credit together. That makes it a strong starting point if you are rebuilding before going after the Allegiant companion fare, because you build a deposit and a payment history at the same time.
The Current Build Card lets you build using your own money without a traditional credit check. It fits Allegiant's casual-traveler audience well, since you can turn the everyday spending you already do into reported credit history without a hard pull blocking your approval, helping you reach airline-card range faster.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
The Kikoff Secured Credit Card keeps barriers low and reports steadily, which fits anyone who wants a simple, low-cost way to add positive payment history each month before applying for an airline card like the Allegiant credit card. The OpenSky secured card does not require a credit check, which can help if past denials have you stuck, and Chime offers a credit-builder card with no annual fee and no interest for eligible members.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
Why building first matters
A few months of on-time payments can raise your score enough to improve your odds on a card like the Allegiant credit card. You lay the groundwork first, then go after the travel perks.
Alternatives to the Allegiant Credit Card
If the Allegiant-only rewards do not fit your travel style, you have options. A flat-rate cashback credit card lets you book any airline, including Allegiant, and still earn rewards. A general travel card gives you flexible points across many partners. If you are weighing one budget airline card against another, our Frontier credit card review breaks down a direct competitor.
For occasional flyers, the smartest move is often no airline card at all. Book the low fare, pay with a card that builds credit, and skip the annual fee.
Making the Most of the Allegiant Card
If you do get the card, plan around the perks. Track your spending so you hit the threshold for the companion fare, and time it to a trip where two tickets cost the most.
Always pay your balance in full. The high APR can quickly outweigh the value of any points or free flight if you carry a balance month to month.
Frequently Asked Questions
Is the Allegiant credit card hard to get?
It generally requires good to excellent credit. If your score is still building, approval is less likely, and a denial can briefly lower your score. Building credit first with a secured card improves your chances.
Does the Allegiant credit card have an annual fee?
As of June 2026, the annual fee is $59. Check Allegiant's website for current fees, since airline card terms can change. The companion-fare perk can offset the fee if you travel with someone each year.
What credit score do I need for the Allegiant credit card?
There is no single published cutoff, but airline cards usually favor good to excellent credit. If you are below that range, options like the Self Visa® Credit Card or OpenSky can help you build toward it. Terms and conditions apply.
Can I build credit without an airline card?
Yes. Cards like the Kikoff Secured Credit Card or Chime report to the major bureaus and help you build a payment history. Once your credit is stronger, you can apply for a travel card with better odds.
