Allegiant World Mastercard® Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Allegiant World Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Signup bonus. Offers a signup bonus of $150 if you spend $1000 within 3 months.
• Signup bonus. Offers a signup bonus of 15000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Allegiant World Mastercard® has a variable purchase APR that ranges from 15.99% up to 23.9%.
• 3% Balance transfer fee. Allegiant World Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Free access to your credit score. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. Allegiant World Mastercard® reports to multiple credit bureaus.

Charges an annual fee of $59 Charges a 3% balance transfer fee.

Does Allegiant World Mastercard® have a cash back or rewards program?

Allegiant World Mastercard® is a rewards card.

Allegiant World Mastercard® Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus ($)	Up to $150
Signup Bonus (Points/Miles)	15000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Allegiant World Mastercard® benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Allegiant World Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 23.9%. The card has a variable balance transfer APR that ranges from 15.9% up to 23.9%. It also has a variable cash advance APR that ranges from 18.99% up to 26.99%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Allegiant World Mastercard®?

The following fees apply:

Allegiant World Mastercard® Fees

Fees	Amount
Annual Fee	$59
Foreign Transaction Fee	0%
Returned Payment Fee	up to $29
Late Payment Fee	up to $40

Does Allegiant World Mastercard® report your account activity to credit bureaus?

Yes, Allegiant World Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Allegiant World Mastercard®

• Visit the Allegiant World Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.