The Allegiant Credit Card offers cash back on purchases and Allegiant-specific perks, but no annual fee
The Allegiant Credit Card is issued through Coastal Community Bank and marketed to Allegiant Air passengers. The card earns 3% cash back on Allegiant purchases (flights, seat upgrades, baggage fees) and 1% cash back on all other purchases. There is no annual fee, no foreign transaction fee, and no minimum spending requirement to keep the account open.
The card does not offer a sign-up bonus, travel insurance, lounge access, or other premium travel benefits. It is designed for people who fly Allegiant frequently enough that the 3% rate on airline spending justifies carrying the card, not for those building points toward a specific redemption goal.
Key Takeaways
- You earn 3% cash back on all Allegiant Air purchases, including flights, seat selections, and baggage fees.
- You earn 1% cash back on all other purchases, with no category restrictions or rotating categories.
- There is no annual fee, no foreign transaction fee, and no minimum spending to keep the account active.
- The card does not include a sign-up bonus, travel insurance, or airport lounge access.
- Cash back is deposited as a statement credit or can be transferred to your bank account once you reach a minimum threshold.
How the 3% cash back on Allegiant purchases works
When you use the Allegiant Credit Card to book a flight directly through Allegiant Air's website or phone line, you earn 3% cash back on the full transaction amount. This includes the base fare, seat selection fees, baggage fees, and any other add-ons purchased at the same time. The cash back is calculated on the total charged to the card, not just the base fare.
The 3% rate applies only to purchases made directly with Allegiant Air. Booking through a third-party travel site, airline ticket reseller, or travel agent does not earn the higher rate — those purchases fall into the 1% category. If you book a flight and later add a seat upgrade or baggage through your Allegiant account, that add-on also earns 3% if charged to the card.
How the 1% cash back on other purchases works
Every purchase that is not an Allegiant Air transaction earns 1% cash back. This includes groceries, gas, restaurants, online shopping, utilities, and any other merchant. There are no category caps, no rotating categories, and no bonus categories that change each quarter. The 1% rate is flat and automatic.
Cash back accrues as you spend and appears as a credit on your monthly statement. Once your cash back balance reaches the card issuer's minimum threshold (typically $25), you can request it as a statement credit to reduce your balance, or in some cases transfer it directly to a linked bank account. You do not have to wait until the threshold is met — you can contact the issuer to request a payout at any time, though some issuers may hold smaller amounts.
What the card does not include
The Allegiant Credit Card has no sign-up bonus, meaning you do not earn extra cash back or miles for opening the account and spending a certain amount in the first few months. You begin earning the standard 3% and 1% rates when ready upon approval.
The card also does not include travel insurance (trip cancellation, baggage delay, lost luggage), emergency medical coverage, or airport lounge access. It does not offer concierge services, price protection, or purchase protection. If you are comparing it to premium airline cards from other carriers, those typically include several of these benefits — the Allegiant card prioritizes simplicity and a low annual fee over added protections.
Annual fee and ongoing costs
There is no annual fee for the Allegiant Credit Card. You will not be charged to keep the account open, even if you do not use it for months. This makes it a low-cost option for occasional Allegiant flyers or those who want a backup card without ongoing expense.
The card charges standard interest on unpaid balances (the APR varies by creditworthiness and is disclosed in your offer), a late payment fee if you miss a due date, and a returned payment fee if a check or automatic payment bounces. These are standard credit card fees, not unique to this card. There is no foreign transaction fee, so you can use the card internationally without a currency conversion surcharge.
Who should consider this card
The Allegiant Credit Card makes sense if you fly Allegiant Air multiple times per year and want to earn cash back on those flights without paying an annual fee. The 3% rate on airline purchases is competitive for a no-fee card, and the 1% on everything else means you earn something on everyday spending even if you do not fly that month.
The card is less useful if you fly Allegiant only once or twice per year, or if you prefer earning points or miles that can be redeemed for free flights rather than cash back. It is also not the right choice if you want travel insurance, lounge access, or other premium benefits — those come with higher annual fees on other airline cards. If you book Allegiant flights through third-party sites like Kayak or Expedia, you will not earn the 3% rate, which reduces the card's value.
How to redeem your cash back
Cash back is credited to your account automatically as you earn it. You can see your current cash back balance in your online account portal or by calling the customer service number on the back of your card. Once the balance reaches the issuer's minimum (usually $25), you have the option to request a payout.
Most cardholders choose to explore the cash back as a statement credit, which reduces the amount you owe on your next bill. Some issuers also allow direct deposit to a checking or savings account. There is no expiration date on cash back — it does not disappear if you do not redeem it in a certain timeframe. You can let it accumulate and redeem a larger amount at once, or request smaller payouts as you reach the threshold.
Frequently Asked Questions
Does the Allegiant Credit Card earn cash back on seat upgrades and baggage fees?
Yes. Any charge made directly to Allegiant Air — including seat upgrades, baggage fees, and change fees — earns the full 3% cash back rate. The rate applies to the entire transaction amount, not just the base fare.
What happens to my cash back if I cancel the card?
Your cash back balance does not disappear when you close the account. You can redeem any remaining balance before closing, or contact the issuer to request a final payout after the account is closed. The cash back you have already earned is yours to keep.
Can I earn the 3% rate if I book through a travel website?
No. The 3% rate applies only to purchases made directly with Allegiant Air through their website, mobile app, or phone line. Bookings through Kayak, Expedia, or other third-party sites earn only 1% cash back, since the charge goes to the third-party merchant, not to Allegiant.
Is there a limit to how much cash back I can earn?
The card issuer does not publish a cash back cap. You can earn 3% on every Allegiant purchase and 1% on every other purchase with no stated maximum. Some credit cards limit cash back in certain categories, but the Allegiant card does not.
How long does it take for cash back to show up on my account?
Cash back typically posts to your account within one to two billing cycles after the purchase posts. You can see pending cash back in your online account portal. Once it posts, you can request a payout or explore it as a statement credit.