Bank of America
Allways Rewards Visa Credit Card
Estimated value every year on typical spending
$373/ year
Every year, after the annual fee. Year one adds a $300 welcome bonus: $673
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Bank of America Allways Rewards Visa Credit Card returns about $432 a year in rewards and usable credits, which covers its $59 fee with $373 to spare. The welcome bonus adds roughly $300 in the first year.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 19.74% to 27.74% variable
- Foreign fee
- Not specified
- Top perk
- Complimentary priority check-in and boarding
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 3 points per $1 spent on Allegiant purchases
- 2 points per $1 spent on qualifying dining purchases
- 1 point per $1 spent on all other purchases
Sign-up bonus
30,000 Bonus Points, equal to $300 off a future Allegiant trip, after you make $1,500 or more in purchases within the first 90 days of account opening.
Best for
- Big spenders on travel
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back.
Worth knowing
- Annual fee
- $59
- Intro APR
- Not applicable
- Regular APR
- 19.74% to 27.74% variable
- Balance transfer fee
- 5% of each transaction
- $300/mo on travel earns about $108/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
- The $59 fee pays for itself at about $250/mo on travel.
- You come out ahead of a no-fee 1% card after about $3000/year of travel spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Allways Rewards Visa Credit Card: questions people ask
Is the Bank of America Allways Rewards Visa Credit Card worth it?
On typical spending the Bank of America Allways Rewards Visa Credit Card returns about $432 a year in rewards and usable credits, which covers its $59 fee with $373 to spare. The welcome bonus adds roughly $300 in the first year.
What is the Bank of America Allways Rewards Visa Credit Card annual fee?
The Bank of America Allways Rewards Visa Credit Card has a $59 annual fee. On typical spending its rewards and usable credits come to about $432 a year, so it nets about $373 after the fee.
What is the Bank of America Allways Rewards Visa Credit Card welcome bonus?
30,000 Bonus Points, equal to $300 off a future Allegiant trip, after you make $1,500 or more in purchases within the first 90 days of account opening. We value it at about $300. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Bank of America Allways Rewards Visa Credit Card earn?
3 points per $1 spent on Allegiant purchases. 2 points per $1 spent on qualifying dining purchases. 1 point per $1 spent on all other purchases.
What credit score do you need for the Bank of America Allways Rewards Visa Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Bank of America Allways Rewards Visa Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.