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Avianca Vida Visa® Card Review

Avianca Vida Visa® Card Review

Sign Up Bonus
20,000 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 2 LifeMiles per $1 spent on Avianca purchases 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 may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Avianca Vida Visa® Card best for?

The Avianca Vida Visa® Card is an airline card associated with Avianca, the second largest airline in Latin America. While Avianca filed for bankruptcy protection in May 2020 due to the financial impact of the pandemic, it continues to operate and is currently restructuring to become a stronger airline.

Geared toward loyal Avianca frequent flyers, the Avianca Vida Visa® Card offers a generous rewards rate for spending with the airline, plus Avianca miles can be redeemed through a vast array of airlines that belong to the Star Alliance network. International travelers who fly between Central America or Colombia and the U.S. will benefit the most from this card.

Like many airline rewards cards, there is an annual fee, but it’s much lower than many competing airline cards.

If you’re nervous about the future of the Avianca LifeMiles loyalty program due to its restructuring, you may want to consider a more generic travel rewards card, such as the Chase Sapphire Preferred, where you can redeem miles for flights on multiple airlines.

Avianca Vida Visa® Card overview

    • 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
  • Credit needed:
    660 850
    Excellent/Good
  • 15% discount on LifeMiles purchases
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Emergency card replacement

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

$59

Cash Advance Fee

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

Foreign Transaction Fee

1% of each transaction in U.S. dollars

Balance Transfer Fee

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

Pros and cons of the Avianca Vida Visa® Card

Pros

  • Miles can be redeemed through Star Alliance member airlines
  • Balance transfer offer
  • Good miles redemption value on Avianca flights

Cons

  • Limited travel benefits
  • Low sign-up bonus
  • Low rewards rate for non-Avianca purchases

What we like about the Avianca Vida Visa® Card

  • Sign-up bonus

    New cardholders can earn 20,000 Bonus LifeMiles after first card use. There is no minimum spend requirement beyond just making a purchase with the card within the first 90 days of opening the card.

  • 0% balance transfer offer

    While unusual for an airline card to have a balance transfer offer, the Avianca Vida Visa® Card has a 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%.

  • Star Alliance member

    Avianca is a member of the Star Alliance network of airlines, allowing Avianca Vida Visa® Card cardmembers to redeem miles on partner airlines, such as United, Air Portugal, Air Canada, Air New Zealand, ANA, and more.

What to watch out for with the Avianca Vida Visa® Card

  • Annual fee

    While very reasonable for an airlines card, the Avianca Vida Visa® Card does assess an annual fee of $59.

  • Low sign-up bonus

    The sign-up bonus for the Avianca Vida Visa® Card is quite low: 20,000 Bonus LifeMiles after first card use.

  • Low rewards rate on non-airline purchases

    While the miles you earn when using the card for Avianca purchases, the earnings rate on non-airline purchases is low: Earn 2 LifeMiles per $1 spent on Avianca purchases and 1 LifeMile per $1 spent on all other purchases

Alternate airline card to the Avianca Vida Visa® Card

Compare it to the Avianca Vuela Visa® Card

If you’re looking for a Avianca LifeMiles airline card, but want a little more bang for your buck, then you may want to consider the Avianca Vuela Visa® Card.

The Avianca Vuela Visa® Card has a higher annual fee of $149, but in exchange, cardholders can reap a larger sign-up bonus of 40,000 Bonus LifeMiles after first card use.

In addition, there is a more generous rewards program: 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.

The Avianca Vuela Visa® Card has $0 foreign transaction fees, tacks on a free additional bag benefit, as well as a 50% discount on an award ticket for a flight from the U.S. to Central America or Colombia after spending $12,000 on the card annually. If you spend $24,000 on the card each year, cardholders will also receive an additional 50% discount on an award ticket for the same travel parameters.

Compare the Avianca Vida Visa® Card to similar cards

Comparison of four different credit cards
Avianca Vida Visa® Card Avianca Vuela Visa® Card Chase Sapphire Preferred<sup>®</sup> Card United Club℠ Infinite Card
Avianca Vida Visa® Card Avianca Vuela Visa® Card Chase Sapphire Preferred® Card United Club℠ Infinite Card
Read Review
Read Review
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Welcome Offer
20,000 Bonus LifeMiles after first card use 40,000 Bonus LifeMiles after first card use Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$59 $149 $95 $525
Rewards Rate
Earn 2 LifeMiles per $1 spent on Avianca purchases and 1 LifeMile per $1 spent on all other purchases 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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
Regular APR
14.74% - 27.74%, based on your creditworthiness 14.74% - 27.74%, based on your creditworthiness 18.99% - 25.99% Variable 19.49% - 26.49% Variable
Recommended Credit
Excellent/Good Excellent/Good Excellent Excellent
Card Details
Avianca Vida Visa® Card Avianca Vuela Visa® Card Chase Sapphire Preferred® Card United Club℠ Infinite Card

Is the Avianca Vida Visa® Card right for you?

The value of the current sign-up bonus on the Avianca Vida Visa® Card is worth about $400 when redeemed for Avianca flights (based on a value of about 2 cents a mile). If you subtract the $59 annual fee, that reduces the value of the sign-up bonus to around $340.

However, if you choose to apply for the more expensive Avianca Vuela Visa® Card, the value of your sign-up bonus minus the annual fee is around $650, plus the Avianca Vuela Visa® Card allows more opportunities to earn more miles on a wider variety of purchases.

If you’re just wanting to get your feet wet with your first airline card without a big investment and expect to fly on Avianca routes, then the Avianca Vida Visa® Card could be a good choice. But if you’re a loyal Avianca flyer, you’d be much better served by the generous sign-up bonus and extra benefits offered by the Avianca Vuela Visa® Card.

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.

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