Bank of America
Allways Rewards Visa® Credit Card
Key Features
| Annual Fee | $59.00 |
| Sign-up Bonus | 30,000 Bonus Points |
| Rewards Rate | 1x-3x Points |
| Intro APR | None |
| Regular APR | Standard APR 19.74% - 27.74% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| Network | Visa |
About this card
The Allways Rewards Visa® Credit Card receives an overall rating of 2.3 (Fair). This card is a highly niche product designed exclusively for frequent Allegiant Air travelers, offering specific benefits that appeal strongly to this demographic. However, for the average consumer or those seeking flexible travel rewards, its significant drawbacks severely limit its value proposition. The card's primary weaknesses include a very high variable APR (19.74% - 27.74%) with no introductory period, making it an expensive option for carrying a balance (APR Rating: 1.5). It also carries a $59 annual fee and an excessively high 5% balance transfer fee, which detracts from its overall appeal (Fees Rating: 2.2). While the rewards program offers a decent sign-up bonus and strong earning rates on Allegiant purchases, its value is significantly reduced by the extreme redemption limitations, as points are primarily redeemable only for Allegiant travel (Rewards Rating: 2.3). The 'buy one, get one' airfare offer is also notoriously restrictive and difficult to utilize. The card's reputation is polarized: highly regarded by its specific target audience (as evidenced by USA Today's 10Best Readers' Choice Award), but largely unrecommended by financial experts for its lack of flexibility (Reputation Summary reinforces this). While Bank of America is a reputable issuer, the card itself is burdened by its restrictive nature and high costs. In summary, it's a fair card at best, justified only for a very specific segment of loyal Allegiant flyers who can consistently maximize its narrow benefits and avoid carrying a balance; otherwise, it presents poor value due to high interest rates, fees, and inflexible rewards. Its strengths are highly specific, while its weaknesses are broad and impactful for most credit card users.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Cashback on purchases
- Travel perks
- Flexible redemption options
Things to consider
- Annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Online Offer: 30,000 Bonus Points, equal to $300 off a future Allegiant trip, after you make $1,500 or more in purchases within the first 90 days of account opening.
- Online Offer: Earn 30,000 Bonus Points – equal to $300 off a future Allegiant trip when you redeem points, after you make $1,500 or more in purchases within the first 90 days of account opening
Rewards
- 3 points per $1 spent on Allegiant purchases (air, hotel, car rental and attractions)
- 2 points per $1 spent on qualifying dining purchases
- 1 point per $1 spent on all other purchases
Other features
- No blackout dates, no destination restrictions, and no minimum points redemption
- Complimentary priority check-in, priority boarding and one free beverage every time you fly Allegiant when you present your Allways Rewards Visa® card
- Winner: Best Airline Credit Card, USA Today's 10Best Readers Choice Awards!
- Buy one, get one free airfare offer anytime you use your card to purchase a vacation package from Allegiant with 4 or more hotel nights or 7 or more rental car days on the same itinerary when you call Allegiant Member Services for booking.
- Points don't expire as long as your card account is open
- Easy to earn, easy to redeem.
- Redeem points for more than just flights. Earn points that can be redeemed for airfare, hotels and car rentals on Allegiant.com.
- We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- Balance Connect® for overdraft protection: An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America checking account to your credit card. No transfer fees. Other fees may apply.
- Paperless Statement Option
- Digital Wallet Technology: Discover more ways to pay by adding your Bank of America credit card to your mobile device then shop in-store or in-app using Apple Pay, Google Pay or Samsung Pay.
- Online & Mobile Banking: Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Account Alerts: Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.