Alaska Airlines Credit Card Review: Well Worth $95 a Year

The Alaska Airlines credit card, issued by Bank of America, is a travel rewards card designed for frequent flyers who prefer Alaska Airlines and its partner airlines. It comes with an array of benefits that make it an attractive option for travelers. This article provides a detailed review of the Alaska Airlines credit card, covering its features, benefits, reward system, and how to maximize its value.

The Alaska Airlines Visa Signature card is not just for residents of Alaska or those who frequently fly to and from the state. Alaska Airlines has a wide range of domestic and international flight routes, as well as an extensive network of partner airlines, making this card a potentially valuable addition to any traveler's wallet.

Overview of Alaska Airlines Credit Card Features

The Alaska Airlines credit card offers a variety of features that help cardholders earn travel rewards and enjoy travel benefits. The card provides 3 miles for every dollar spent directly on Alaska Airlines and Virgin America purchases, and 1 mile on all other purchases. This makes it easy for cardholders to accumulate miles quickly, especially if they frequently fly with Alaska Airlines or Virgin America.

Cardholders also receive a companion fare each year on their account anniversary, which allows them to book a round-trip ticket for a companion at a significantly reduced rate. This feature alone can pay for the card's annual fee, as long as cardholders take advantage of it each year.

Another standout feature of the Alaska Airlines credit card is the free checked bag benefit. Cardholders and up to six companions on the same reservation can each check one bag for free. This can result in significant savings, especially for families or groups traveling together.

Understanding the Alaska Airlines Credit Card Annual Fee

The Alaska Airlines credit card carries a $95 annual fee. While this may seem steep, the card's benefits can easily offset this cost. If used wisely, cardholders can get a great deal of value from their card, far exceeding the annual fee.

For example, the companion fare benefit alone could save cardholders hundreds of dollars each year. Similarly, the free checked bag benefit could save cardholders and their companions $60 per person for each round-trip flight, adding up to hundreds of dollars in savings per year for a family or group.

It's also worth considering the value of the miles earned through card purchases. With the potential to earn 3 miles per dollar on Alaska Airlines and Virgin America purchases, frequent flyers could see a substantial return on their spending.

Benefits of the Alaska Airlines Credit Card

The benefits of the Alaska Airlines credit card extend beyond the rewards program. Cardholders enjoy a number of travel-related perks that can enhance their overall travel experience.

One of the most significant benefits is the annual companion fare. This allows cardholders to purchase one round-trip ticket for a companion each year at a significantly reduced rate, starting from $121 ($99 fare plus taxes and fees from $22).

Cardholders also enjoy 50% off Alaska Lounge day passes and 20% back on in-flight purchases. These benefits can make the travel experience more enjoyable and potentially save cardholders money.

Reward System of Alaska Airlines Credit Card

The Alaska Airlines credit card has a simple, yet rewarding, miles program. Cardholders earn 3 miles for every dollar spent on Alaska Airlines and Virgin America purchases and 1 mile for every dollar spent on all other purchases. There is no limit to the number of miles that can be earned, and miles don't expire as long as the account is active.

Miles can be redeemed for travel on Alaska Airlines and its partner airlines, which include major carriers like American Airlines, British Airways, and Emirates. This gives cardholders a great deal of flexibility in using their miles. The value of the miles varies depending on the flight, but they can be worth several cents each when redeemed for travel.

How to Maximize the Value of your Alaska Airlines Credit Card?

To maximize the value of the Alaska Airlines credit card, cardholders should utilize all of the card's benefits and rewards. This includes taking advantage of the annual companion fare, using the card for all Alaska Airlines and Virgin America purchases to earn 3 miles per dollar, and using the card for everyday purchases to earn 1 mile per dollar.

Cardholders should also aim to redeem their miles for travel on Alaska Airlines or its partner airlines, as this typically provides the highest value for miles. Furthermore, cardholders should consider the benefits of the card that can save them money, such as the free checked bag benefit and discounts on in-flight purchases and Alaska Lounge day passes.

Comparing Alaska Airlines Credit Card with Other Travel Credit Cards

When compared to other travel credit cards, the Alaska Airlines credit card stands out for its generous rewards program and travel benefits. While some other travel cards may offer higher rewards rates on certain categories of purchases, few can match the value of the Alaska Airlines card's 3 miles per dollar on airline purchases and its annual companion fare.

However, the card may not be the best fit for everyone. Those who rarely fly with Alaska Airlines or its partner airlines may not get the most value from the card. Similarly, those who prefer more flexibility in their rewards program may be better served by a general travel card that allows for more varied redemption options.

Who Should Get the Alaska Airlines Credit Card?

The Alaska Airlines credit card is best suited for frequent flyers of Alaska Airlines and its partner airlines. The card's rewards program and benefits are most valuable for those who can take advantage of the 3 miles per dollar on airline purchases, the annual companion fare, and the free checked bag benefit.

However, the card can also be a good choice for those who value simplicity in their rewards program. With a flat rate of 1 mile per dollar on all other purchases and no limit on the number of miles that can be earned, the card offers a straightforward way to earn travel rewards.

How to Apply for the Alaska Airlines Credit Card?

Applying for the Alaska Airlines credit card is straightforward. Applicants can apply online through the Bank of America website. The application process involves providing personal and financial information, including social security number, income, and employment details.

After submitting the application, applicants will typically receive a decision within a few minutes. If approved, the card will be mailed within 7-10 business days.

Conclusion: Is the Alaska Airlines Credit Card Worth $95 a Year?

In conclusion, the Alaska Airlines credit card can be well worth the $95 annual fee for frequent flyers of Alaska Airlines and its partner airlines. The card's generous rewards program and travel benefits can provide significant value, especially for those who regularly fly with these airlines.

However, the card's value can also extend beyond frequent flyers. With a straightforward rewards program and benefits like the annual companion fare and free checked bag, the card can also be a good choice for those seeking a simple, yet rewarding, travel credit card.

Overall, the Alaska Airlines credit card offers an attractive package of benefits and rewards that can more than offset its annual fee. Whether it's worth it for you will depend on your travel habits and how you plan to use the card.

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