Tag: credit card tips for travelers

Allegiant World Mastercard: Your Comprehensive Guide

The Allegiant World Mastercard is an enticing credit card option for travel enthusiasts and casual spenders alike. Issued by Allegiant Air, this card is designed to reward you with travel benefits while providing a solid rewards structure and attractive perks. Below, we delve into the comprehensive details of this card, covering everything you need to know.

1. Card Name and Issuer

The Allegiant World Mastercard is issued by Allegiant Air, a well-known airline that specializes in providing low-cost air travel to various destinations across the United States.

2. Card Type

This is a co-branded travel rewards credit card, ideal for individuals who frequently fly with Allegiant Air or prefer to earn travel rewards on everyday purchases.

3. Annual Fee

The Allegiant World Mastercard comes with an annual fee of $59. This fee is relatively modest compared to other travel cards, making it a viable option for frequent travelers.

4. Rewards Program

The rewards program for the Allegiant World Mastercard is structured to maximize your earning potential. Cardholders earn 3x points on Allegiant Air purchases, 2x points on dining and grocery purchases, and 1x point per dollar spent on all other purchases. Points can be redeemed for Allegiant travel, with a point value of roughly 1 cent each, allowing you to reduce the cost of future flights.

5. Sign-Up Bonus

New cardholders are greeted with a sign-up bonus of 15,000 bonus points after spending $1,000 in the first 90 days of account opening. This bonus can lead to significant savings on your next Allegiant flight, making it a lucrative welcome offer.

6. APR (Annual Percentage Rate)

The regular APR for the Allegiant World Mastercard is competitive, currently set at 15.74% – 25.74% based on creditworthiness. There is also an introductory APR of 0% for the first 12 months on balance transfers, providing cardholders with an excellent opportunity to manage and reduce debt.

7. Foreign Transaction Fees

One of the standout features of the Allegiant World Mastercard is its no foreign transaction fees, making it a perfect companion for travelers who frequently venture abroad.

8. Balance Transfer Options

Cardholders can take advantage of the 0% introductory APR on balance transfers for the first 12 months. This feature allows you to transfer balances from higher-interest cards without incurring additional interest during the introductory period, enhancing your financial flexibility.

9. Additional Fees

In addition to the annual fee, the card carries other potential fees, including up to $39 for late payments and a cash advance fee of either $10 or 3% of the amount of each cash advance, whichever is greater. Be mindful of these fees to maximize your card benefits.

10. Card Benefits and Perks

The Allegiant World Mastercard boasts numerous benefits, including travel insurance, which offers protection for trip cancellations and interruptions. Additionally, cardholders receive exclusive access to travel deals and promotions directly from Allegiant Air, enhancing their travel experience.

11. Customer Protections and Insurance

The card offers essential customer protections such as zero fraud liability, ensuring youre not responsible for unauthorized charges. Purchase protection and rental car insurance further enhance the card’s appeal, providing peace of mind while traveling.

12. Eligibility and Credit Score Requirements

To qualify for the Allegiant World Mastercard, applicants are typically required to have a good to excellent credit score, generally within the range of 700 or higher. Meeting this criteria increases your chances of approval and helps secure better credit terms.

13. Introductory Offers

Beyond the 0% APR for balance transfers, new cardholders can enjoy the 15,000 bonus points sign-up offer after the specified spending requirement is met. This combination of offers makes the card particularly attractive for new applicants.

14. Special Features or Unique Selling Points

Unique selling points of the Allegiant World Mastercard include 2 free Allegiant Air flight segments each year, subject to certain conditions. This feature alone can significantly enhance the card’s value, essentially offsetting the annual fee with substantial travel savings.

15. How to Apply

Applying for the Allegiant World Mastercard is straightforward. Interested individuals can submit their applications online through the official Allegiant website or reach out to their local bank branch. To start the application process, visit the UpCube.net.