Sun Country Airlines® Visa Signature® Card Review
Overview
The Sun Country card is a co-brand for Sun Country Airlines, a smaller carrier based in the Upper Midwest. Its points are locked to Sun Country, so the card is mainly useful to travelers in its home markets who fly the airline regularly.
For a Sun Country flyer it is a simple way to earn toward tickets, but the limited network keeps it niche for most US cardholders.
Think twice if: you do not fly Sun Country, since its network is limited and the points are locked to it.
Our 2.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn bonuses on Sun Country purchases, gas, and groceries, in locked Sun Country points. The earning is fine for a small-airline card, but the points only work on Sun Country, so the value depends on flying them.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | Bonus category |
| Gas | 2x | Bonus category |
| Groceries | 2x | Bonus category |
| Everything else | 1x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- Earns on Sun Country, gas, and groceries
- Useful for travelers in Sun Country's markets
- Low $89 fee
- Points locked to Sun Country
- Limited regional network
- Modest welcome bonus
The welcome bonus
The welcome bonus is modest: 25,000 points after $1,000 in 90 days. Reasonable for a smaller program, and the main reason to get the card.
Is it worth the annual fee?
The $89 fee needs regular Sun Country flying to justify, since the points are locked to a limited network. If Sun Country does not serve your travel, the fee is hard to justify.
First-year value vs ongoing value
| Welcome bonus | 25,000 points |
| To earn it | $1,000 in 90 days |
| Est. first-year value* | $570 |
| Est. ongoing value / yr* | $320 |
The welcome bonus makes year one the high point: roughly $570 in value once you count the bonus, this card’s rewards, and its credits, minus the $89 fee. After that, the honest figure is about $320 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*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, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Up to 5x points on Sun Country purchases
- Free first checked bag and priority boarding on Sun Country flights
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you live in Sun Country's markets and fly them, this card is a simple way to earn toward tickets.
If Sun Country is not part of your travel, the locked points will not help you. This is a regional niche card.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
