Allegiant World Mastercard
Basic Information
Program ID: allegiant-world-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/15/2026 17:33
Last Scraped: 01/15/2026 17:35
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee of $99). |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 3,124.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 8-12 weeks after you have met the spend requirement, though they often post sooner.
Rewards Program
Reward Type: Allegiant Allways Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Allegiant Purchases (flights, hotels, car rentals, activities), 2x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Allegiant World Mastercard from Bank of America is expected to maintain its standard application and bonus rules. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a good to excellent credit score (typically 700+), and demonstrate sufficient income. A key application rule is Bank of America's '2/3/4 Rule': applicants are generally limited to no more than 2 new cards approved in the last 2 months, 3 new cards in the last 12 months, and 4 new cards in the last 24 months across all Bank of America products. The sign-up bonus (e.g., points or statement credit) is typically earned after meeting a specified spending threshold within the initial 90 days of account opening. This rule is a soft limit and may vary based on individual credit profile and relationship with the bank.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests, rapid succession of applications (even if within 2/3/4), unusual spending patterns inconsistent with income, high cumulative credit limit across all BofA accounts, frequent balance transfers without organic spend, late payments, or returned payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for frequent Allegiant flyers, valuable sign-up bonus, free checked bag benefit is a significant saving.
Top Negative Feedback:
Rewards are primarily limited to Allegiant, annual fee after the first year, not ideal for general spending outside of Allegiant and dining.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Bank of America® Travel Rewards credit card
- Alaska Airlines Visa Signature® credit card
- Chase Sapphire Preferred® Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $460.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0