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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure

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Avianca Vuela Visa® Card Review

Avianca Vuela Visa® Card
Sign Up Bonus
40,000 Bonus LifeMiles after first card use
Intro Balance Transfer APR
0% intro APR for 12 months on balance transfers made within the first 90 days of account opening. After that, your APR will be 14.74% to 27.74%.
Rewards Rate
Earn 3 LifeMiles per $1 spent on Avianca purchases, 2 LifeMiles per $1 spent at gas stations and grocery stores and 1 LifeMile per $1 spent on all other purchases
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Is Avianca Vuela Visa® Card worth it?

Avianca Airlines is one of Latin America’s most popular carriers, servicing over 75 destinations. Its loyalty program, Avianca LifeMiles, is a hidden gem. Since Avianca Airlines is part of the Star Alliance, LifeMiles are incredibly flexible and offer a ton of redemption possibilities worldwide. If you’re an Avianca frequent flyer or just want to earn a stash of LifeMiles for your next trip, consider applying for the Avianca Vuela Visa® Card.

Earlier in 2020, the Colombian airline filed for Chapter 11 bankruptcy amid slashed flights and travel bans. Thankfully, the LifeMiles program is not part of the bankruptcy filing, and the airline assures that you can continue to earn and redeem miles normally.

With a $149 annual fee, the Avianca Vuela Visa® Card can get you closer to your next flight, thanks to its ability to earn and redeem LifeMiles.

Quick facts

    • 40,000 Bonus LifeMiles after first card use
    • Earn 3 LifeMiles per $1 spent on Avianca purchases
    • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
    • Earn 1 LifeMile per $1 spent on all other purchases
    • No foreign transaction fees
    • 15% discount on purchases of miles with Multiply Your Miles
    • Free additional piece of baggage for travel between the United States and Central America
    • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
    • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
    • 0% Introductory offer for 12 months on Balance Transfers
    • Chip-enabled card provides added security
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Protection against unauthorized charges
    • Emergency Card Replacement
    • Online Account Management
    • Electronic Statements
    • Auto-pay option
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Sign-up bonus: 40,000 Bonus LifeMiles after first card use
  • Earning rate: Earn 3 LifeMiles per $1 spent on Avianca purchases, 2 LifeMiles per $1 spent at gas stations and grocery stores and 1 LifeMile per $1 spent on all other purchases
  • Annual fee: $149
  • Foreign transaction fee: $0

Intro Purchase APR

N/A

Regular Purchase APR

14.74% - 27.74%, based on your creditworthiness

Intro BT APR

0% intro APR for 12 months on balance transfers made within the first 90 days of account opening. After that, your APR will be 14.74% to 27.74%.

Regular BT APR

14.74% - 27.74%, based on your creditworthiness

Annual Fee

$149

Cash Advance Fee

2% of the amount of each transaction (minimum $2; maximum $10)

Foreign Transaction Fee

$0

Balance Transfer Fee

2% of the amount of each transfer (minimum $2; maximum $10)

Pros and cons

  • Ability to earn sign-up bonus fast
  • First free checked bag
  • 50% discount on award tickets after reaching spending minimum
  • travel protections and warranties
  • Mediocre sign-up bonus
  • Limited travel and loyalty benefits

Avianca Vuela Visa® Card review: Our thoughts

While most credit cards require you to spend a few thousand dollars to earn the introductory offer, the Avianca Vuela Visa® Card has an accessible sign-up bonus: You can earn 40,000 Bonus LifeMiles after first card use. These miles are worth about $560, according to our points valuation of 1.4 cents each.

This isn’t the best welcome bonus we’ve ever seen, but the ability to earn a large number of miles quickly is a huge plus. If you’re planning a trip soon, you could apply for the Avianca Vuela Visa® Card and rack up the bonus miles in record time. While there’s no spending minimum on the welcome bonus, you can earn a 50% discount on an award ticket redeemed for travel to Central America or Colombia after spending $12,000 on this card in one year. You’ll receive an additional 50% discount after spending another $12,000 (for a total of $24,000 in one year). To use these discounts, you’ll have to book your award flights through the LifeMiles Call Centers. These offers can be incredibly valuable as you’ll be able to expend 50% fewer miles for your next redemption, so it’s best to be strategic with how you spend to lock in these promotions.

If you’re in need of a few miles for that next trip, you also can buy LifeMiles at a 15% discount with Avianca’s Multiply Your Miles feature. However, purchasing miles typically won’t result in the best value, but can certainly be helpful when needed.

Card benefits and features

This card’s earnings rate is simple: Earn 3 LifeMiles per $1 spent on Avianca purchases, 2 LifeMiles per $1 spent at gas stations and grocery stores and 1 LifeMile per $1 spent on all other purchases. There’s no limit to how many LifeMiles you can earn with the Avianca Vuela Visa® Card.

Like most airline credit cards, you’ll enjoy a free checked bag on Avianca when flying between the United States and Central America. It costs $44.99 to check a bag on international Avianca flights, so you’ll make up for the $149 annual fee after just three flights.

Card eligibility

To qualify for this card, you’ll need to be an Avianca LifeMiles member. Even if you’ve never flown with Avianca before, you can sign up for the loyalty program free online.

The only other restriction to be aware of is that you can only have one Avianca card at a time. If you already have Avianca’s lower-tier offering, the Avianca Vida Visa® Card, you’re ineligible for the Avianca Vuela Visa® Card. However, you can request a product change, though you won’t receive the welcome bonus twice.

Avianca Vuela Visa® Card vs. Avianca Vida Visa® Card

| Disclosures
Avianca Vida Visa® Card*
Avianca Vida Visa® Card
Review Coming Soon
N/A
14.74% - 27.74%, based on your creditworthiness
$59
Earn 2 LifeMiles per $1 spent on Avianca purchases and 1 LifeMile
  • 20,000 Bonus LifeMiles after first card use 
  • Earn 2 LifeMiles per $1 spent on Avianca purchases  
  • Earn 1 LifeMile per $1 spent on all other purchases  
  • 15% discount on purchases of miles with Multiply Your Miles  
  • No cap on the number of LifeMiles you can earn 
  • 0% intro APR for 12 months on balance transfers made within the first 90 days of account opening. After that, your APR will be 14.74% to 27.74%. 
  • Chip-enabled card provides added security  
  • Auto Rental Collision Damage Waiver  
  • Travel Accident Insurance 
  • Protection against unauthorized charges 
  • Emergency Card Replacement 
  • Online Account Management 
  • Electronic Statements 
  • Auto-pay option
660 720 850
Good / Excellent
*The information related to the Avianca Vida Visa® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
Avianca’s lower-tier offering is the Avianca Vida Visa® Card, coming in with a $59 annual fee. Like the Avianca Vuela Visa® Card, you’ll easily lock in the welcome bonus: After making your first purchase within the first 90 days from account opening 20,000 Bonus LifeMiles after first card use worth about $280.

Besides the welcome bonus, however, the Avianca Vida Visa® Card leaves much to be desired. You only Earn 2 LifeMiles per $1 spent on Avianca purchases and 1 LifeMile per $1 spent on all other purchases Like the Avianca Vuela Visa® Card, you can enjoy a 15% discount when purchasing LifeMiles and receive car rental and travel accident protections. With a mediocre earnings rate and lackluster benefits, the Avianca Vida Visa® Card does not offer important benefits, such as a free checked bag or even no foreign transaction fees.

Avianca Vuela Visa® Card vs. Citi Strata Premier Card

| Disclosures
Citi Strata Premier Card
Citi Strata Premier℠ Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
21.24% - 29.24% (Variable)
$95
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x --
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
You can apply for about $50 less per year for the Citi Strata Premier Card instead ($95 annual fee). It’ll take more effort to earn the welcome bonus than the Avianca Vuela Visa® Card, but with the Citi Strata Premier Card, you can earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Then, transfer these points to any of Citi’s 16 airline partners, including Avianca LifeMiles. Citi ThankYou points transfer at a 1:1 ratio, so the bonus points to LifeMiles prove to be a better value than the Avianca Vuela Visa® Card.

With the Citi Strata Premier Card, you’ll get 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases In addition, you’ll also receive a $100 annual hotel credit of $500 or more, offering consistent, long-term value to the card.

However, you should apply for the Avianca Vuela Visa® Card if you’re a frequent Avianca flyer and want the benefit of a free checked bag. But if you’re looking for flexibility and the ability to earn more than just LifeMiles, the Citi Strata Premier Card is a better choice.

Avianca Vuela Visa® Card vs. Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
Similarly to the Citi Strata Premier Card, the Capital One Venture Rewards Credit Card offers flexibility and excellent travel benefits for an annual fee of just $95 per year (see rates & fees). Its earnings rate is simple, with 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. With the Capital One Venture Rewards Credit Card’s welcome bonus, you can earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel. With more than 15 transfer partners (including Avianca LifeMiles), your Capital One miles will stretch quite far.

If you’re in need of Global Entry or TSA Precheck, the Capital One Venture Rewards Credit Card will even reimburse you with up to a $100 statement credit. For example, if you opt for Global Entry, you will enjoy this benefit for five years. Since this is a much more universal perk than what the Avianca Vuela Visa® Card offers, the Capital One Venture Rewards Credit Card may be a smarter option for most travelers.

Should you apply for the Avianca Vuela Visa® Card?

The Avianca Vuela Visa® Card is not meant for everyone, as Avianca loyalists are the primary demographic for this card. However, at a reasonable annual fee of $149, this credit card offer can prove to be beneficial. Avianca LifeMiles can also be quite flexible, resulting in many valuable redemption possibilities for future flights. In most cases, you’d be better off applying for the Amazon Rewards Visa Signature Card or Capital One Venture Rewards Credit Card, as they will transfer to the Avianca LifeMiles program.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Avianca Vida Visa® Card, Avianca Vuela Visa® Card and Capital One Venture Rewards Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

The information related to the Avianca Vuela Visa® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.