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Bank of America credit card

Allways Rewards Visa Credit Card

  • APR down · 20.24%19.74% · Oct 4, 2026

$59 a year. 30,000 points after you spend $1,500 in 3 months. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

30,000 points

After you spend $1,500 on purchases in your first 3 months.

Spending it takes
$500 a month
for 3 months
Tracking since
Oct 4, 2026
history will chart every change

Earn 30,000 Bonus Points after making $1,500 or more in purchases within the first 90 days of account opening. The bonus is equal to $300 off a future Allegiant trip when you redeem points.

  • Larger than about 60% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$375$75
Typical spender$575$275
Heavy spender$975$675
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$75a year

$375 the first year, with the welcome bonus.

Rewards and credits$130

You keep $75−$60 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$275a year

$575 the first year, with the welcome bonus.

Rewards and credits$335

You keep $275−$60 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$675a year

$975 the first year, with the welcome bonus.

Rewards and credits$730

You keep $675−$60 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 70% of the 732 cards we track.

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 35% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Allways Rewards

How you earn

3×
Allegiant purchases (air, hotel, car rental and attractions)
2×
Qualifying dining purchases
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Complimentary priority check-in and priority boarding every time you fly Allegiant when you present your Allways Rewards Visa card.
  • One free beverage every time you fly Allegiant when you present your Allways Rewards Visa card.
  • Buy one, get one free airfare offer when you use the card to purchase an Allegiant vacation package with 4 or more hotel nights or 7 or more rental car days on the same itinerary and call Allegiant Member Services for booking.

Changes

20.24%19.74% since Oct 4Oct 4Today
  • Oct 4, 2026 APR 20.24%19.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$59 · Reported to the CFPB, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, since Oct 4, 2026
What is the purchase APR?
19.74–27.74% APR · bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?
30,000 points after $1,500 in purchases in 3 months. · bankofamerica.com, since Oct 4, 2026
See it on bankofamerica.com

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