Sun Country Airlines Visa Signature card review

Sun Country Airlines Visa Signature card review

Published: November 13, 2019
Published: November 13, 2019
Ratings Policy
Rewards Rating:
3.5 rating
3.5 rating
3.5 / 5
Rewards Value: 3.5
Annual Percentage Rate: 4.3
Rewards Flexibility: 3.7
Features: 0.0
Customer Experience 4.1

In a Nutshell:

With a low APR and generous sign-up bonus for moderate spenders, the Sun Country Airlines card is a good value for domestic travelers; but the airline’s limited flight path and restrictive redemption policy may limit its appeal.

Rewards Rate

  • 3:1 on Sun Country purchases (including Sun Country Airlines flights, flight and hotel packages, seat fees and more)
  • 2:1 on gas and groceries
  • 1:1 general purchases

Sign-up Bonus

  • 25,000 points if you spend $1,500 first 3 billing cycles
  • $50 statement credit after first purchase

Annual Bonus

  • 10,000 points if you spend $10,000 in 12 billing cycles

Annual Fee
$69

Average Yearly Rewards Value ($1,325 monthly spend)
$381

APR
16.74-24.74% (variable)

Rewards Redemption
Pros

  • Points don’t expire as long as you use your card once every three years
  • You can pool points with other rewards program members
  • One-way tickets are permitted

Cons

  • Can only use points on Sun Country Airlines purchases
  • A 5,000-point fee is charged when you book a flight at the last minute
  • Many routes are seasonal
  • Flights are limited. Most routes leave out of Minneapolis

Customer Experience

  • J. D. Power 2018 customer satisfaction rating: average of 845 (13% of issuers ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4/5
  • Apple Store mobile app rating: 2.8/5

Other Notable Features: $100 travel certificate if you buy international vacation package, first checked bag free for cardholder and companion, FICO credit score, fraud protection

If you live near Minneapolis and frequently choose Sun Country Airlines for cheap flights across the U.S., you can get some valuable mileage out of this inexpensive airline card. The number of cities served by Sun Country Airlines is limited though, so you won’t get much use out of the card if you don’t frequently travel on Sun Country routes. The card’s rewards program is also notably restrictive. Unlike other airline cards that allow you to transfer points to other airlines or redeem the points for merchandise or other card rewards, the Sun Country Airlines card only lets you redeem points for Sun Country flights.

Varied rewards for Sun Country Airlines fans

For a card that only costs $69 a year, the rewards offered by the Sun Country Visa Signature card are relatively generous. The Sun Country Visa card offers three points for every dollar you spend on Sun Country purchases, two points for every dollar you spend on gas and groceries; and one point for every dollar you spend on general purchases.

A big enough sign-up bonus to purchase a free flight

The Sun Country Visa also offers a pretty good sign-up bonus that you can use to pay for a free flight soon after you receive the card. The Visa Signature card awards 25,000 bonus points – worth $250 – after you spend $1,500 within the first three billing cycles. You’ll also get a $50 statement credit after you make your first purchase with the card.

The Sun Country Visa also offers a very nice bonus to customers who stick with the card after the first year. Cardholders who spend at least $10,000 a year – roughly $833 a month – get an additional 10,000 point-bonus that’s worth about $100.

Redeem a flight faster by teaming up with other members

One of the unique features of the Sun Country Visa card is that it lets you pool points with other rewards members. When you join a free pool, you and up to nine other rewards members can pool points together so that you all have potentially enough points to purchase an individual ticket. If you just barely have enough points saved up to purchase a ticket, the pool can be a useful tool for supplementing your points and buying a ticket more quickly.

Limited routes

You may have a hard time finding flights that fit your travel schedule, especially if your destinations vary widely. Sun Country only flies to a limited number of destinations around the United States. Meanwhile, flights typically connect through the airline’s main hub in Minneapolis. So if you live farther south than that Midwestern city, finding a desirable flight  might be challenging.

Cities served by Sun Country include Minneapolis/St. Paul; Boston; New York; Washington, D.C.; Savannah, Georgia; Orlando, Florida; Miami; Fort Myers, Florida; Tampa, Florida; Dallas/Fort Worth; Gulfport/Biloxi, Mississippi; Phoenix; Denver; Palm Springs, California; Las Vegas; San Diego; Los Angeles; San Francisco; Portland, Oregon; and Seattle. You can also fly to a handful of cities in Mexico, the Bahamas, Costa Rica and the Caribbean.

 

Why get the Sun Country Airlines card?

  • You live near Minneapolis and can get a lot of mileage out of the airline’s routes.
  • You’re a fan of Sun Country Airlines and already spend a lot on Sun Country flights.
  • You’re looking for an inexpensive card that still offers at least one free flight in the first year.

How to use the Sun Country Airlines card:

  • To get the most out of this airline card, use it for all Sun Country Airline purchases.
  • Spend at least $1,500 in the card’s first three billing cycles to earn a free Sun Country flight.
  • Take advantage of the card’s pooling feature by getting to know other rewards members.

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