Allegiant Allways Rewards Visa® vs JAL USA CARD (Premium)
Side-by-side comparison
| Allegiant Allways Rewards Visa® | JAL USA CARD (Premium) | |
|---|---|---|
| Annual fee | $59 | $85 |
| Welcome offer | 45,000 points | 10,000 bonus miles |
| Dining | 2x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $358 | $310 |
| Points type | Locked to Allegiant Allways Rewards | Locked to JAL Mileage Bank |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Allegiant Allways Rewards Visa® | JAL USA CARD (Premium) |
|---|---|---|
| Welcome bonus | 45,000 points | 10,000 bonus miles |
| To earn it | $3,000 in 90 days | $7,000 in the first 3 billing cycles |
| Est. first-year value* | $749 | $325 |
| Est. ongoing value / yr* | $299 | $225 |
The Allegiant Allways Rewards Visa® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Allegiant Allways Rewards Visa® | JAL USA CARD (Premium) |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Allegiant Allways Rewards Visa® earns about $358 a year in rewards and the JAL USA CARD (Premium) about $310, valuing every point at a flat 1 cent. The Allegiant Allways Rewards Visa® charges $59, which you clear through its rewards and perks. The JAL USA CARD (Premium) charges $85, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Allegiant Allways Rewards Visa® delivers more total value, about $74 a year more for a typical spender, mostly because it earns more where you spend most, on dining and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Allegiant Allways Rewards Visa® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Allegiant Allways Rewards Visa® if your spending leans toward dining, travel.