What You Get With an Allegiant Credit Card

Allegiant Air issues a co-branded credit card through a bank partner that gives you rewards on Allegiant flights and everyday purchases. The card earns points on spending, offers a sign-up bonus, and includes perks like checked baggage discounts and priority boarding on Allegiant flights. The specific benefits depend on which version of the card you hold — Allegiant offers more than one tier.

The card is designed for people who fly Allegiant regularly or want to accumulate points toward future trips. Unlike some airline cards that charge an annual fee, the Allegiant card structure varies by product. You should review the current terms before opening an account, since card features and fees change over time.

Key Takeaways

  • Allegiant credit cards earn points on Allegiant purchases and other spending, with higher earning rates on airline tickets.
  • Most Allegiant cards waive or reduce checked baggage fees when you use the card to buy your ticket.
  • A sign-up bonus is typically offered when you open a new card, though the amount varies by current promotion.
  • You can redeem points directly for Allegiant flights or transfer them to partner programs, depending on the card terms.
  • Annual fees, if any, should be weighed against the value of perks and points you expect to earn in a year.

How Points Earning Works

Allegiant credit cards earn points at different rates depending on where you spend. You typically earn more points per dollar on Allegiant Air purchases than on other categories. For example, you might earn 3 points per dollar on Allegiant tickets but only 1 point per dollar on groceries, gas, or other everyday purchases. The exact earning structure is set by the card issuer and can change.

Points do not expire as long as your account remains open and in good standing. This means you can let points accumulate over time if you are not ready to book a flight. However, if your account is closed for inactivity or you stop using the card, the issuer may have rules about what happens to your balance — check the cardholder agreement for details.

Baggage Fees and Travel Perks

One of the main reasons people open an Allegiant card is to waive or reduce checked baggage fees. When you use the card to purchase your Allegiant ticket, you typically receive a discount or waiver on the first checked bag. This can save you money on every trip, especially if you check bags regularly.

Beyond baggage, Allegiant cards often include priority boarding, which lets you board earlier than passengers without the card. Some versions also offer other travel-related perks like discounts on seat selection or carry-on bag fees, though these vary by card tier. Read the current benefits guide on Allegiant's website or the issuing bank's site to see exactly what is included with your specific card.

Sign-Up Bonuses and How to Use Them

When you open a new Allegiant credit card, the issuer typically offers a sign-up bonus — usually a set number of points or miles after you spend a certain amount within a set timeframe. For example, you might earn 50,000 bonus points after spending $1,000 in the first three months. This bonus is meant to offset the cost of opening the card and give you points to use right away.

To earn the bonus, you must meet the spending requirement within the stated window. Spending that does not count toward the requirement — such as balance transfers, cash advances, or fees — will not help you reach the threshold. Plan your spending carefully if you are close to the limit, and keep track of your progress through your online account or mobile app.

Redeeming Points for Flights

Points can be redeemed directly for Allegiant flights through the airline's website or app. You log into your rewards account, search for your desired flight, and choose to pay with points instead of cash. The number of points required varies by route, time of year, and how far in advance you book — flights during peak travel times typically cost more points.

Some Allegiant cards also allow you to transfer points to partner loyalty programs, though this option is less common. If your card offers transfers, you can move points to another airline or hotel program, but the conversion rate may not be favorable. Redeeming points directly for Allegiant flights is usually the most straightforward path.

Annual Fees and Whether They Make Sense

Not all Allegiant credit cards charge an annual fee. Some are no-annual-fee cards, while others charge a yearly amount that ranges depending on the card tier. If there is a fee, you should calculate whether the perks and points you earn in a year outweigh the cost.

For example, if the card costs $95 per year but saves you $50 in baggage fees and you earn $100 in points value from everyday spending, the net benefit is $55. If you do not fly Allegiant often or do not check bags, the math may not work in your favor. Review your own travel patterns before committing to a card with an annual fee.

How to Open an Allegiant Credit Card

To open an Allegiant credit card, visit the Allegiant Air website and look for the credit card offer in the main navigation or rewards section. You can also search for "Allegiant credit card" to find the issuing bank's process page directly. The process asks for personal information, income, and employment details so the bank can assess your creditworthiness.

The bank will pull your credit report and make a decision within minutes to a few business days. If you are approved, the card ships to your address within 7 to 10 business days. Once you receive it, set up the card through the issuer's website or app, then you can start earning points on purchases and work toward the sign-up bonus.

Frequently Asked Questions

Can I use Allegiant points on other airlines?

Points earned on an Allegiant credit card are typically locked to Allegiant flights and cannot be used on other airlines. Some cards may allow transfers to partner programs, but this is rare and the conversion rate is usually unfavorable. Check your specific card's terms to see if transfer options are available.

What happens to my points if I close the card?

Most issuers allow you to keep your points even after closing the card, as long as you have an active Allegiant rewards account. However, some cards may have different rules, so review your cardholder agreement. If you plan to close the card, redeem your points first to be safe.

Do I earn points on taxes and fees when I book a flight?

Points are typically earned on the base fare only, not on taxes, fuel surcharges, or booking fees. The issuer's terms will specify exactly what portion of your purchase earns points. Check your account after your first purchase to see how many points posted.

Is there a limit to how many points I can earn?

There is no hard cap on total points you can accumulate, but some cards may have limits on earning rates in certain categories or during promotional periods. Points do not expire as long as your account is active, so you can build a large balance over time if you fly frequently.

Can I use my card to book flights for other people?

Yes, you can use your Allegiant credit card to purchase tickets for family members or friends. You will earn points on the purchase, and the baggage fee waiver applies to the ticket you bought — not to every passenger on the flight. The person traveling will need to provide their name and information at booking.