Allegiant Credit Card Review: Is It Worth It in 2026?

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, and the companion fare has strings most people miss. Here is the real breakdown.

The Allegiant credit card is the Allways Rewards Visa card, issued by Bank of America. As of June 2026 it is a Visa: the card was rebranded from the older Allegiant World Mastercard, and new applications are now processed as the Allways Rewards Visa, so the card you get today runs on the Visa network. It earns Allways Rewards points on Allegiant travel and everyday spending, and it bundles in a few perks aimed at people who book Allegiant regularly.

Key Facts at a Glance

All figures as of June 2026; confirm current terms with Bank of America.

What Is the Allegiant Credit Card?

The Allegiant credit card is a co-branded airline Visa. 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. While it works anywhere Visa is accepted, the points are best redeemed inside the Allegiant ecosystem, so they are tricky to use if you mostly fly other airlines.

Allegiant Credit Card Rewards

As of June 2026, the Allways Rewards Visa earns Allways Rewards points: 3 points per $1 on eligible Allegiant travel (air, hotel, and car rental), 2 points per $1 on eligible dining, and 1 point per $1 on everything else. Each point is worth about 1 cent toward Allegiant airfare, car rentals, hotel stays, and attractions, redeemed at allegiant.com. There is no published cap on points earned, but they only redeem for Allegiant travel.

Because points only redeem for Allegiant travel, this is a single-airline rewards card. If you rarely fly Allegiant, the points will mostly sit unused.

Fees and APR

As of June 2026, the Allways Rewards Visa charges a $59 annual fee. The variable purchase APR runs from about 20.24% to 28.24%, depending on your creditworthiness, and a penalty APR of up to about 29.99% can apply if you pay late or a payment is returned. The card does not charge a foreign transaction fee, so it will not add a surcharge on purchases made abroad. APRs vary by creditworthiness, and rates can change, so confirm current terms with Bank of America before you apply. Terms and conditions apply.

The free flight perk, and its catch

The headline perk is a buy-one-get-one companion airfare. Read the fine print: per Allegiant's program summary, you get one round-trip companion fare per purchased itinerary only when you also book a minimum four-night hotel stay or a minimum seven-day car rental through Allegiant Member Services, on the same itinerary, paid with your Allegiant card, with you as a passenger. It is not a standalone free flight, and it is not retroactive. Cardholders also get priority check-in, priority boarding, and one free beverage per flight. If you genuinely travel with a companion and book hotels or cars through Allegiant, that perk can cover the $59 fee. If you only book bare flights, it may never trigger.

Who Should Consider It

The Allegiant credit card fits a narrow but real audience: people who fly Allegiant at least a couple of times a year, travel with a companion, and book Allegiant hotels or cars so the BOGO fare actually applies. If you rarely fly Allegiant or book flights only, a no-annual-fee card is usually the better call.

Approval Odds and Credit Requirements

The Allways Rewards Visa typically calls for good to excellent credit, with reported approvals clustering around a 700 score. Bank of America reports the account to all three bureaus, and reported credit limits average around $10,500, though your line depends on your full profile. 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, so it is often wiser to build first and apply later.

Alternatives Worth Considering

If you want premium-card rewards without locking your value to one budget airline, the Robinhood Gold Card earns 3% unlimited cash back on every purchase with no foreign transaction fee. It is a flat cash-back card rather than a transferable-miles travel card, so it will not earn Allways points or a companion fare, but the steady 3% return books any flight on any airline, including Allegiant. It is available to Robinhood Gold members, so you open it through your Robinhood brokerage account.

Not in this card's approval range yet? The Aspire Mastercard is a common stepping-stone: unsecured, no security deposit, accepts FICO scores around 580 and up, and reports to all three bureaus. The on-time history you build is what unlocks cards like the Allways Rewards Visa in about 12 months, and you can use it anywhere Mastercard is accepted in the meantime.

If the Allegiant-only rewards do not fit your travel style, a flat-rate cashback card lets you book any airline and still earn. 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. For free credit monitoring while you build toward a travel card, Creditship.ai can help.

Making the Most of the Allegiant Card

If you do get the card, plan around the perks. Book your hotel or car through Allegiant so the companion fare actually triggers, and time it to a trip where two tickets cost the most. Always pay your balance in full, because the purchase APR of up to about 28.24% (and the penalty rate if you slip) can quickly outweigh the value of any points or free flight.

Frequently Asked Questions

Is the Allegiant credit card hard to get?

It generally requires good to excellent credit, with approvals reported around a 700 score. If your score is still building, approval is less likely, and a denial can briefly lower your score. Building credit first with a starter card like the Aspire Mastercard improves your chances.

Does the Allegiant credit card have an annual fee?

As of June 2026, the annual fee is $59, and the card does not charge a foreign transaction fee. The companion-fare perk can offset the annual fee, but only if you also book an Allegiant hotel or car rental on the same itinerary. Confirm current fees with Bank of America, since airline card terms can change.

What rewards does the Allegiant credit card earn?

As of June 2026, it earns 3 Allways points per $1 on eligible Allegiant travel, 2 points per $1 on eligible dining, and 1 point per $1 on everything else. Points redeem only for Allegiant travel at about 1 cent each.

Can I build credit without an airline card?

Yes. A card like the Aspire Mastercard reports to all three major bureaus and helps you build a payment history. Once your credit is stronger, you can apply for a travel card with better odds. Terms and conditions apply.