Reviews Sun Country Airlines Visa Signature card review
Sun Country Airlines Visa Signature card review

Sun Country Airlines Visa Signature card review

Published: May 4, 2017
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Airline Rating:
2.6 rating
2.6 rating
2.6 / 5
Rewards Value: 2.1
Annual Percentage Rate: 4.0
Rewards Flexibility: 3.9
Flight Options: 1.3
Features: 2.0

In a nutshell:

The Sun Country Airlines Visa Signature card is a good value for Sun Country Airlines fans, but the airline’s limited flight schedule and restrictive rewards program narrow its appeal.

Rewards Rate

  • 4:1 on in-flight purchases on Sun Country flights
  • 2:1 Sun Country ticket purchases and upgrades
  • 1:1 general purchases

Sign-up Bonus
30,000 points if you spend $1,000 first 3 billing cycles

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

Annual Fee
$69, $0 first year

Average Yearly Rewards Value ($1,325 monthly spend)
$319

APR
18.49% (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

Flight Options

  • Airline partners: 0
  • Daily flights: 50
  • Destinations: 37
  • Countries served: 9

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, membership in the Sun Country Ufly Rewards program

Rewards Rating:
3.2 rating
3.2 rating
3.2 / 5
Rewards Value: 3.1
Annual Percentage Rate: 3.7
Rewards Flexibility: 3.7
Features: 2.0

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

  • 4:1 on in-flight purchases on Sun Country flights
  • 2:1 Sun Country ticket purchases and upgrades
  • 1:1 general purchases

Sign-up Bonus
30,000 points if you spend $1,000 first 3 billing cycles

Annual Fee
$69, $0 first year

Average Yearly Rewards Value ($1,325 monthly spend)
$319

APR
18.49% (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

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, membership in the Sun Country Ufly Rewards program

Travel Rating:
3.1 rating
3.1 rating
3.1 / 5
Rewards Value: 2.9
Annual Percentage Rate: 3.7
Rewards Flexibility: 3.7
Features: 2.0

In a nutshell:

With a decent sign-up bonus and a good spending bonus on airline purchases, this budget airline card offers a fair amount of value for Midwestern cardholders who frequently fly Sun Country Air; however, the airline’s limited flight path narrows its appeal.

Rewards Rate

  • 4:1 on in-flight purchases on Sun Country flights
  • 2:1 Sun Country ticket purchases and upgrades
  • 1:1 general purchases

Sign-up Bonus
30,000 points if you spend $1,000 first 3 billing cycles

Annual Fee
$69, $0 first year

Average Yearly Rewards Value ($1,325 monthly spend)
$319

APR
18.49% (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

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, membership in the Sun Country Ufly Rewards program

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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 Sun Country Airlines Visa Signature card doesn’t offer a huge number of points by itself. But once you pair it with the airline’s Ufly Rewards program – which you can join for free when you sign up for the Visa Signature card – you can collect up to 12 points for every dollar you spend on Sun Country flights. Depending on how often you fly, this perk alone can save you hundreds of dollars on domestic flights.

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.

Air-centric 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 in-flight purchases, such as food, wine or in-flight entertainment; two points for every dollar you spend on Sun Country airfare; and one point for every dollar you spend on general purchases.

In addition, Sun Country’s Ufly Rewards frequent flier program offers cardholders an additional 10 points for every dollar they spend on Sun Country flights. Sun Country points are only worth about a penny each, which is about average for an airline card, but less generous than some competitors. But they can add up quickly if you spend a lot of time in the air.

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 30,000 bonus points – worth $300 – after you spend $1,000 within the first three billing cycles.

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.

Few perks
There aren’t very many perks available on this budget card, so don’t use it as your main card. The airline card offers a free FICO credit score, which is a valuable and unexpected perk for such a small airline card. It also offers membership in the Ufly Rewards program, which comes with its own point-building benefits, including bonus points on car rentals and flower purchases. However, it doesn’t offer any traditional credit card perks, such as car rental or travel accident insurance.

Reasons to get it:

  • 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 it:

  • To get the most out of this airline card, use it for all Sun Country Airline purchases.
  • Spend at least $1,000 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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