What the Bank of America Allegiant Card offers

The Bank of America Allegiant Credit Card is a co-branded card designed for frequent Allegiant Air passengers. It earns points on Allegiant purchases and offers a sign-up bonus, but carries an annual fee and provides limited value outside of Allegiant bookings. The card works best for people who fly Allegiant multiple times per year and want to accelerate their rewards accumulation on that specific airline.

Unlike premium airline cards that offer lounge access or travel credits, the Allegiant card focuses on earning power and modest perks tied directly to the airline. There is no annual fee waiver for the first year, and the rewards structure is narrow — you earn bonus points on Allegiant purchases but earn at a lower rate on other spending.

Key Takeaways

  • The card earns bonus points on Allegiant Air bookings and a smaller earning rate on other purchases, with a sign-up bonus available to new cardholders.
  • An annual fee applies from the first year, with no introductory period, and the card does not include travel credits or lounge access to offset it.
  • Points can be redeemed for Allegiant flights, seat upgrades, and baggage fees, but have limited use outside the Allegiant ecosystem.
  • The card is most valuable for people who fly Allegiant at least three to four times per year and would otherwise pay for seat selections and baggage fees.

Earning structure and sign-up bonus

New cardholders receive a sign-up bonus after meeting a minimum spending threshold within the first few months. The exact bonus amount and spending requirement change periodically, so check the current offer before opening the account. This bonus is typically worth enough to cover the annual fee in the first year if redeemed strategically.

Once the account is open, you earn bonus points per dollar spent on Allegiant Air bookings made directly with the airline. Purchases made through third-party travel sites or airline booking platforms do not earn the bonus rate. On all other purchases — groceries, gas, dining, utilities — you earn a flat rate that is lower than the Allegiant bonus. This narrow earning structure means the card provides little value for general spending.

Annual fee and when it makes financial sense

The card charges an annual fee that is not waived in the first year. You pay this fee regardless of whether you use the card, so the math matters before you open the account. The fee is recouped only if you fly Allegiant enough times to earn points that would otherwise cost you money in seat selections, baggage fees, or paid upgrades.

A typical Allegiant passenger who books two or three round-trip flights per year and pays for seat selections and checked bags will likely earn enough points to offset the annual fee. If you fly Allegiant once per year or less, or if you already travel light and avoid paid add-ons, the card may cost more than it saves. Compare the annual fee against what you currently spend on Allegiant ancillary fees to determine whether the card is worth opening.

Redeeming points for flights and add-ons

Points can be redeemed directly through your Allegiant account for flights, seat upgrades, and baggage fees. You do not transfer points to a separate loyalty program or use them outside Allegiant. The redemption value varies depending on what you book — a point used toward a baggage fee may be worth less than a point used toward a flight on a peak travel date.

Allegiant does not publish a fixed cents-per-point value, so you cannot calculate redemption value the way you can with other airline cards. This makes it harder to compare the card's true earning power against competitors. You can check your account to see point balances and available redemptions, but the airline does not may provide that redemption options remain constant.

Limited benefits outside of flying

The Allegiant card does not include travel credits, lounge access, or other perks common to airline cards. There is no baggage fee waiver, priority boarding, or companion ticket benefit. The card's value is almost entirely dependent on how much you fly Allegiant and how much you would otherwise spend on seat selections and baggage fees.

If you are looking for a card that provides value even when you are not flying — such as travel insurance, purchase protection, or dining rewards — the Allegiant card will not deliver that. It is a single-purpose card designed to reduce the cost of flying one specific airline, not a general travel card.

How the Allegiant card compares to other airline cards

Most airline cards from larger carriers (United, American, Delta, Southwest) offer annual travel credits, lounge access, or checked baggage waivers that reduce the effective annual fee. The Allegiant card does not include these benefits, which means the annual fee is a pure cost unless you fly frequently. However, Allegiant's lower base fares and simpler route network mean that frequent Allegiant passengers may spend less overall on flights than passengers of major carriers.

If you are choosing between the Allegiant card and a card from another airline, consider which airline you actually fly most often. A card is only valuable if it matches your real travel patterns. If you split your flying between Allegiant and other carriers, a general travel rewards card or a card from your primary airline may deliver better value than a card locked to Allegiant alone.

Frequently Asked Questions

Can I use Allegiant points to pay for baggage fees if I don't have this card?

Yes. Allegiant allows any cardholder to redeem points for baggage fees and other add-ons through their account. The Allegiant credit card straightforward helps you accumulate points faster. If you fly Allegiant occasionally, you may earn enough points through the airline's loyalty program alone without needing the card.

What happens to my points if I close the card?

Your Allegiant loyalty account and points remain active even after you close the credit card. The card and the airline loyalty program are separate, so closing the card does not erase your points balance. You can continue to redeem points for flights and add-ons as long as your loyalty account is open.

Does this card offer any travel insurance?

The Allegiant card does not include trip cancellation insurance, baggage delay coverage, or other travel protections. If travel insurance is important to you, you would need to purchase it separately or use a different card that includes these benefits.

Can I earn points on Allegiant bookings made through a travel agent?

No. Points are earned only on bookings made directly through Allegiant's website or phone line. Bookings through third-party travel sites, travel agents, or other platforms do not earn the bonus point rate, even if you use the card to pay.