BA
Bank of America · Visa

Allways Rewards Visa® Credit Card

Co-branded Standard 30,000 Points Bonus No Foreign Fees
$59 Annual Fee
20.24%–28.24% Variable Purchase APR
30,000 Welcome Bonus
670+ Recommended FICO
Points Reward Type
Browse Cards Bank of America Allways Rewards Visa® Credit Card

Welcome Bonus

30,000 Points
Welcome Bonus
Spend $1,500 in the first 90 days
Bonus Posted Within 8 to 12 weeks of meeting the minimum spend requirement

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 3x
Point Value~0.01¢ each
ExpirationPoints do not expire as long as the card account remains open; Allways Rewards points otherwise expire after 24 months of account inactivity for non-cardholders
Redemption NotesPoints can only be redeemed for Allegiant travel purchases (airfare, hotels, car rentals, and attractions booked through Allegiant.com); points cannot be transferred to other airline or hotel loyalty programs, cannot be redeemed for cash back, and have no flexible redemption options outside of Allegiant's ecosystem. There are no minimum redemption thresholds and no blackout dates. The buy one, get one free airfare benefit requires purchasing a vacation package with at least 4 hotel nights or 7 rental car days and must be booked by calling Allegiant Member Services; it cannot be redeemed online.
CategoryRateTypeCap
Allegiant Air Purchases
Earn 3 Allways Rewards points per dollar spent on eligible Allegiant Air purchases including airfare, hotel, car rental, and attractions booked through Allegiant.
3x Points No cap
Dining
Earn 2 Allways Rewards points per dollar spent on qualifying dining purchases worldwide.
2x Points No cap
All Other Purchases
Earn 1 Allways Rewards point per dollar spent on all purchases not covered by a higher bonus category, with no earning cap.
1x Points No cap

Benefits & Protections

No Foreign Fees
BenefitCategoryValue / Coverage
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency.
Financial 0% foreign transaction fee
Account Alerts
Customizable email or text alerts to notify cardholders of payment due dates, payment confirmations, balance thresholds, and other account activity.
Other Complimentary
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing Allways Rewards points, setting alerts, and accessing account features.
Other Complimentary
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
Other Complimentary
1X Points on All Other Purchases
Earn 1 Allways Rewards point per dollar spent on all other eligible purchases not covered by a higher bonus category, with no earning cap.
Rewards 1x points
2X Points on Dining
Earn 2 Allways Rewards points per dollar spent on qualifying dining purchases worldwide.
Rewards 2x points
3X Points on Allegiant Purchases
Earn 3 Allways Rewards points per dollar spent on eligible Allegiant Air purchases including airfare, hotel, car rental, and attractions booked through Allegiant.
Rewards 3x points
Flexible Points Redemption
Redeem Allways Rewards points for airfare, hotels, car rentals, and Allegiant attractions booked through Allegiant.com; no blackout dates, no destination restrictions, and no minimum redemption threshold.
Rewards 1 cent per point toward Allegiant travel
Points Never Expire (With Active Card)
Allways Rewards points do not expire as long as the card account remains open; Allways points ordinarily expire after 24 months of account inactivity for non-cardholders.
Rewards No expiration while account is open
Welcome Bonus
Earn 30,000 bonus Allways Rewards points after making $1,500 or more in purchases within the first 90 days of account opening; points are redeemable for $300 off a future Allegiant trip.
Rewards 30,000 points ($300 in Allegiant travel value)
Up to $300
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
Security $0 liability
Chip Technology
Card is equipped with EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals.
Security Complimentary
Contactless Payments
Card supports tap-to-pay contactless transactions at merchants with NFC-enabled terminals for faster and more secure checkout.
Security Complimentary
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and alerts cardholders via text, email, or phone when potentially fraudulent transactions are detected.
Security Complimentary
Buy One, Get One Free Airfare
Receive a buy one, get one free airfare benefit anytime you use your card to purchase a qualifying Allegiant vacation package with 4 or more hotel nights or 7 or more rental car days on the same itinerary; must be booked by calling Allegiant Member Services; cannot be booked online or combined with points redemptions.
Travel Buy one, get one free airfare
Complimentary In-Flight Beverage
Receive one complimentary beverage on every Allegiant flight when you present your Allways Rewards Visa card to the flight attendant.
Travel 1 free beverage per flight
Priority Boarding
Receive complimentary priority boarding on every Allegiant flight when you present your Allways Rewards Visa card.
Travel Complimentary
Priority Check-In
Receive complimentary priority check-in at Allegiant airports every time you fly Allegiant when you present your Allways Rewards Visa card.
Travel Complimentary

Interest Rates

Purchase APR20.24%–28.24% Variable
Balance Transfer APR28.24%
Cash Advance APR29.49%
Penalty APR29.99%
Min. Interest Charge$1.5

Fees

Annual Fee $59
Authorized User FeeFree
Foreign Transaction FeeNone
Balance Transfer Fee4% of the amount of each transaction (minimum $10)
Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction; ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction
Late Payment FeeUp to $40
Returned Payment FeeUp to $29

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Student EligibleYes
Co-ApplicantAllowed
Business EligibleNo
Credit Limit Range $500 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 4 cards from this issuer simultaneously.
Shutdown Risk Triggers
Too many Bank of America credit card applications within a short period violating the 2/3/4 rule, excessive cash advances, suspicious transaction patterns, repeatedly cycling the credit limit
Cliff Effect Rules
No cliff-effect rules apply between the Allways Rewards Visa and any other Bank of America card family. Bank of America treats the Allways Rewards Visa as a standalone co-branded product; holding or having received the bonus on other Bank of America cards (Customized Cash Rewards, Travel Rewards, Premium Rewards, Atmos Rewards Ascent, Atmos Rewards Summit, Air France KLM Visa, etc.) does not block eligibility for the Allways Rewards bonus, and vice versa. The 24-month same-card cooldown applies only to the specific Allways Rewards Visa product itself.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Bank of America enforces a 2/3/4 application rule — applicants may receive at most 2 new personal Bank of America credit cards in a rolling 2-month period, 3 in a rolling 12-month period, and 4 in a rolling 24-month period; violating these limits may result in an initial approval that is subsequently reversed. The Allways Rewards Visa welcome bonus is subject to a 24-month same-card cooldown, and the online welcome bonus offer is available only to new accountholders opening through this specific online channel. The card carries no bonus eligibility cliffs with any other Bank of America card family — holding or having received the bonus on any other Bank of America card does not block eligibility for the Allways Rewards bonus.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Bank of America caps the APR at 6% on pre-service balances for eligible servicemembers during active military duty under the Servicemembers Civil Relief Act; additional benefits may apply per SCRA guidelines.
Hardship Program
Hardship program available.
Bank of America
$59
Annual Fee
Apply Now
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Welcome Bonus 30,000 Points
APR 20.24%–28.24% Variable
Quick Summary
Annual Fee $59
RewardsPoints
Welcome Bonus30,000 Points
Foreign FeesNone
Min. FICO670+
NetworkVisa
Card TypeCo-branded
Online
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