Apply for Allegiant Credit Card: Allegiant Credit Card is a great option for frequent travelers who love flying with Allegiant Air. This card offers valuable travel perks, exclusive airline discounts, and a rewarding points system that allows you to maximize savings on flights, hotels, and vacation packages.
If you’re looking for a travel credit card that provides excellent benefits without foreign transaction fees, the Allegiant World Mastercard® might be a great fit for you.
In this guide, we’ll walk you through everything you need to know about the Allegiant Credit Card, including its features, application process, and how to maximize your benefits.
Understanding Allegiant Credit Card
What is Allegiant World Mastercard®?
The Allegiant World Mastercard® is a co-branded credit card issued by Bank of America in partnership with Allegiant Air. This card is designed for frequent Allegiant Air customers who want to earn travel rewards and enjoy exclusive perks.
Who is Eligible for the Allegiant Credit Card?
To qualify for the Allegiant Credit Card, applicants must meet the following requirements:
- Be at least 18 years old (or 21 in some states)
- Have a valid U.S. address
- Provide a Social Security Number (SSN)
- Meet the credit score requirements
Key Features and Rewards
- Earn 3x points on Allegiant purchases (flights, hotels, car rentals, vacation packages)
- Earn 2x points on dining purchases
- Earn 1x point on all other purchases
- Buy One, Get One Free airfare when booking vacation packages
- No blackout dates on reward redemptions
Benefits of Allegiant Credit Card
Travel Rewards and Perks
- Earn bonus points on Allegiant Air purchases
- Enjoy exclusive discounts on vacation packages
- Get priority boarding and special Allegiant Air perks
Exclusive Airline Discounts
- Receive Buy One, Get One Free airfare when booking a vacation package through Allegiant Air
- Get access to discounted hotel stays and travel packages
Bonus Points and Cashback Options
- Earn a generous sign-up bonus (usually after spending a minimum amount within the first 90 days)
- Points can be redeemed for Allegiant flights, hotels, and travel perks
No Foreign Transaction Fees
- Great for international travelers, as you won’t be charged extra fees when making purchases abroad
Allegiant Credit Card Requirements
Credit Score Requirement
To qualify for the Allegiant Credit Card, you typically need a good to excellent credit score (usually 700 or higher).
Income Verification
- Bank of America may require proof of stable income to ensure you can manage credit card payments.
- If you’re self-employed, you may need to provide tax returns or bank statements.
Other Eligibility Criteria
- Must be a U.S. citizen or legal resident
- No recent bankruptcies or delinquencies on your credit report
How to Apply for Allegiant Credit Card
Applying for the Allegiant Credit Card is easy and can be done in three different ways:
1. Online Application
- Visit the official Allegiant Credit Card website
- Click on “Apply Now”
- Fill out the application form
2. Applying via Phone
- Call Bank of America’s credit card application line
- Provide your details over the phone
3. Applying in Person
- Visit a Bank of America branch
- Meet with a representative to complete the application
Step-by-Step Guide to Online Application
Step 1: Visit the Official Website
- Go to Allegiant Air’s credit card page
- Click on the “Apply Now” button
Step 2: Fill Out the Application Form
- Enter personal details (name, address, SSN, employment status)
- Provide financial information (income, rent/mortgage details)
Step 3: Submit Necessary Documents
- Upload any required documents for income verification (if requested)
Step 4: Review and Submit Application
- Double-check all information
- Click “Submit” to finalize your application
What to Expect After Applying?
Approval Time
- Instant decision for some applicants
- Others may take a few business days
Credit Limit Determination
- Based on credit score and income
Possible Reasons for Rejection
- Low credit score
- Insufficient income
- Too many recent credit inquiries
How to Activate Allegiant Credit Card
Once your Allegiant Credit Card is approved and delivered, you must activate it before making purchases. There are two primary ways to activate your card:
Online Activation
- Visit the Bank of America credit card activation page.
- Log in to your online banking account or create one if you haven’t.
- Enter your credit card details, including the 16-digit card number.
- Follow the prompts to verify your identity.
- Once completed, your card will be activated and ready for use.
Phone Activation Process
- Call the Bank of America credit card activation number provided on the sticker of your new card.
- Follow the automated voice prompts and enter your card details.
- Complete the security verification process.
- Your card will be activated, and you’ll receive a confirmation message.
Managing Your Allegiant Credit Card
Properly managing your credit card helps you maximize rewards and avoid unnecessary fees.
How to Check Your Account Balance
- Log in to your Bank of America online account.
- Use the Bank of America mobile app for real-time balance updates.
- Call customer service for an account summary.
Setting Up Automatic Payments
- Set up autopay to ensure you never miss a payment.
- Choose between minimum payment, statement balance, or full balance autopay options.
- Avoid late payment fees and interest charges.
How to Redeem Rewards
- Log in to your Allegiant World Mastercard® account.
- Browse available rewards, including flights, hotels, and travel perks.
- Redeem points for eligible travel expenses.
Allegiant Credit Card Fees and Charges
Understanding the fees associated with your credit card ensures you avoid unexpected charges.
Annual Fees
- Allegiant Credit Card comes with an annual fee of $59.
Interest Rates and APR
- Standard variable APR ranges from 16.99% – 24.99% depending on creditworthiness.
- Interest applies if the full balance isn’t paid on time.
Late Payment Fees
- Up to $40 if the minimum payment is not made by the due date.
- Late payments may negatively impact your credit score.
Tips for Responsible Credit Card Use
Using your Allegiant Credit Card wisely helps you build a strong credit history and avoid financial troubles.
How to Improve Your Credit Score
- Pay your bills on time every month.
- Keep your credit utilization below 30% of your credit limit.
- Avoid applying for multiple credit cards at once.
Avoiding High-Interest Rates
- Pay your balance in full to avoid paying interest.
- If you carry a balance, try to make more than the minimum payment each month.
Paying Bills on Time
- Set up payment reminders or autopay to avoid late fees.
- Check your statement regularly to track spending.
Common Issues and How to Resolve Them
What to Do If Your Application Is Denied
- Review your credit report to check for errors.
- Improve your credit score before reapplying.
- Contact Bank of America to understand why your application was rejected.
How to Request a Credit Limit Increase
- Use your credit card responsibly for at least six months.
- Call Bank of America to request a credit limit review.
Lost or Stolen Card Solutions
- Immediately report a lost or stolen card by calling Bank of America customer service.
- Request a replacement card with a new account number.
Comparing Allegiant Credit Card with Other Travel Credit Cards
| Feature | Allegiant Credit Card | Chase Sapphire Preferred | Capital One Venture Rewards |
|---|---|---|---|
| Annual Fee | $59 | $95 | $95 |
| Rewards Rate | 3x on Allegiant, 2x dining | 2x on travel & dining | 2x on all purchases |
| Sign-Up Bonus | Varies | 60,000 points | 75,000 miles |
| Foreign Transaction Fees | None | None | None |
Allegiant vs. Chase Sapphire Preferred
- Chase Sapphire Preferred is better for general travel rewards.
- Allegiant Credit Card is better for dedicated Allegiant travelers.
Allegiant vs. Capital One Venture Rewards
- Capital One Venture offers 2x miles on all purchases.
- Allegiant Credit Card offers better perks for Allegiant Air travelers.
FAQs about Applying for an Allegiant Credit Card
1. What are the benefits of having an Allegiant Credit Card?
The Allegiant Credit Card offers a variety of benefits including priority boarding, free airfare on purchases, points for every dollar spent, and special discounts on travel packages. These perks make it an attractive option for frequent travelers who prefer Allegiant Air.
2. Who is eligible to apply for an Allegiant Credit Card?
Eligibility for the Allegiant Credit Card typically requires applicants to have a good to excellent credit score. Additionally, you must be at least 18 years old and a resident of the United States. Some financial prerequisites, like a certain income level, might also apply.
3. How can I apply for an Allegiant Credit Card?
Applying for an Allegiant Credit Card is straightforward. You can apply online through the Allegiant Air website or over the phone by contacting their customer service. Ensure you have all necessary documents, such as your social security number and financial information, ready for a smooth application process.
4. Are there any fees associated with the Allegiant Credit Card?
The Allegiant Credit Card may come with certain fees, such as annual fees, late payment fees, and foreign transaction fees. It’s important to review the terms and conditions of the card to understand all applicable fees before applying.
5. How long does it take to receive approval for an Allegiant Credit Card?
Approval times can vary, but applicants often receive a response immediately after submitting their application online. In some cases, if additional information is required, it might take a few business days to a few weeks to receive a final decision.
6. What should I do if my application for an Allegiant Credit Card is denied?
If your application is denied, you will receive an explanation for the decision. You can review the reasons provided, address any discrepancies or issues, and consider improving your credit score before reapplying. You may also explore other credit card options that better suit your financial situation.
Conclusion
The Allegiant World Mastercard® is a fantastic option for Allegiant Air travelers who want to maximize their travel rewards. With benefits like bonus points on Allegiant purchases, Buy One, Get One Free airfare, and no foreign transaction fees, this card can help you save on your trips.
If you have a good credit score and frequently fly with Allegiant, applying for this card could be a smart financial move.
Would you like to start earning Allegiant travel rewards today? Apply for the Allegiant Credit Card now!
