The Allegiant Credit Card rewards structure is built around Allegiant's ultra-low-cost model
Allegiant Air's co-branded credit card — issued through Bank of America — offers rewards tied directly to Allegiant flights and purchases. The card earns points on every dollar spent, with higher earning rates on Allegiant bookings and fuel purchases. Unlike premium airline cards that load you with lounge access and travel credits, the Allegiant card focuses on what matters to Allegiant flyers: discounts on the airline itself and the ability to offset ticket costs.
The card's value depends entirely on how often you fly Allegiant and whether you use the card for everyday spending. If you fly Allegiant multiple times a year and put regular purchases on the card, the earning rate can add up. If you fly once a year or less, the annual fee may outweigh the benefit.
Key Takeaways
- The Allegiant card earns points on all purchases, with bonus earning on Allegiant bookings and fuel, and points redeem as statement credits toward Allegiant flights.
- The card carries an annual fee that you pay upfront, so you need to calculate whether your expected points earnings will cover it.
- Unlike premium airline cards, there is no annual travel credit, lounge access, or companion ticket benefit — the rewards are points-only.
- Points do not expire as long as your account remains open and active, but closing the card forfeits any remaining balance.
How points earning and redemption work
You earn a set number of points per dollar on all purchases, and a higher rate on Allegiant flight bookings and gas station purchases. The exact earning rates vary depending on which version of the card you hold — Allegiant offers more than one co-branded product. Points are redeemed as statement credits that reduce the cost of Allegiant bookings made directly through the airline's website.
Points do not transfer to other airlines or convert to cash. They sit in your account until you book an Allegiant flight and choose to redeem them. This means the card only has value if you actually fly Allegiant — points earned on groceries or gas do not help you unless you use them for an Allegiant ticket.
The redemption process is straightforward: you book your flight on Allegiant's website, and at checkout you can explore available points as a statement credit. There is no separate redemption portal or transfer process.
Annual fee and whether it pays for itself
The Allegiant card charges an annual fee, paid each year your account is open. Whether this fee is worth it depends on your spending and flight frequency. If you fly Allegiant at least twice a year and put a few thousand dollars on the card annually, the points you earn will likely cover the fee. If you fly once a year or less, the fee may exceed your points value.
The math is straightforward: estimate how many points you will earn in a year based on your expected Allegiant bookings and everyday spending, then check what those points are worth in dollars. Subtract the annual fee. If the result is positive, the card makes sense for you. If it is negative or close to zero, a no-fee card may be better.
Some cardholders offset the fee by using the card for all everyday purchases — groceries, gas, utilities — and redeeming the accumulated points on a single annual Allegiant trip. Others find the fee not worth it and use the card only for Allegiant bookings to earn the bonus rate.
What the card does not include
The Allegiant card does not come with a statement credit for incidental travel expenses, a companion ticket, or lounge access. It does not earn bonus points on hotels, rental cars, or other travel categories outside Allegiant bookings. There is no sign-up bonus offer that gives you points just for opening the account.
This is by design: Allegiant's business model is built on low fares, not premium perks. The card reflects that philosophy. You are paying for earning potential on Allegiant flights and everyday purchases, not for travel benefits that would drive up the card's cost.
How the Allegiant card compares to other airline cards
Most premium airline cards charge higher annual fees and include benefits like annual travel credits, lounge access, and bonus earning on hotels and rental cars. The Allegiant card is simpler and cheaper, but also narrower. It works best for people who fly Allegiant frequently and want a straightforward way to earn discounts on tickets.
If you fly multiple airlines or value lounge access and travel credits, a general travel card or a premium card from a major carrier may serve you better. If you fly Allegiant almost exclusively and want to maximize earning on that airline, the Allegiant card is built for that specific use case.
The trade-off is clear: lower annual fee and simpler earning structure, but fewer perks and no flexibility to use points outside Allegiant.
How to use the card strategically
The highest-value strategy is to use the card for all everyday purchases — not just Allegiant bookings — and accumulate points over several months before redeeming them on a single trip. This spreads the earning across your full spending and builds a larger balance to explore to a ticket.
A second strategy is to book Allegiant flights on the card itself, which triggers the bonus earning rate on the booking. This means you earn points on the ticket cost and then redeem those points (or points earned elsewhere) to reduce the cost further. The math works as long as you are not paying a higher price to book directly on the airline's website instead of through a third-party site.
Avoid closing the card unless you are certain you will not fly Allegiant again. Closing the account forfeits any remaining points balance, so if you have accumulated points over time, redeem them before you cancel.
Frequently Asked Questions
Do Allegiant credit card points expire?
Points do not expire as long as your account is open and in good standing. However, if you close the card, any remaining points are forfeited when ready. This means you should redeem points before canceling or downgrading the card.
Can I use points to pay for baggage fees or seat selection?
Points redeem only as statement credits toward the base fare and taxes on Allegiant flight bookings. They cannot be used for ancillary fees like baggage, seat selection, or priority boarding. You must pay those fees separately.
What happens if I book a flight and then cancel it?
If you redeem points on a booking and then cancel the flight, the points are typically returned to your account. Check Allegiant's cancellation policy and contact the card issuer to confirm the points reversal process for your specific situation.
Can I transfer points to someone else or use them on another person's ticket?
Points are tied to your account and cannot be transferred to another person. You can redeem them on a ticket booked under your name, but not on someone else's booking. Some cards allow you to book a ticket for a family member using your points, so check the card's terms.
Is there a sign-up bonus for opening the Allegiant card?
Allegiant's card offerings change periodically, and sign-up bonuses are not may provide. Check the current offer on Bank of America's website or Allegiant's site to see what is available when you are considering the card.