Avianca Vida Visa® Card Review

By: Heather Hanks Sep. 8, 2019

The Avianca Vida Visa® Card allows you to earn LifeMiles that can be redeemed for various perks. It has a low annual fee and a generous welcome bonus of 20,000 LifeMiles after your first use ( plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases). The card isn’t well known in the United States, but it’s a great company to become familiar with if you travel with Avianca airlines or Star Alliance often.

You’ll get two LifeMiles for every dollar spent on Avianca purchases and one LifeMile for every dollar spent elsewhere. Plus, you’ll get a 15% discount on purchases of miles with Multiply Your Miles. You’ll need good credit to apply, and you can transfer your balances from other credit cards for a 0% APR within the first 12 months. If you fly within the Latin American countries often, then here is why you need the Avianca Vida Visa card.

What is Avianca Airlines?

Avianca Airlines is one of the most popular airlines used for traveling between North America and Latin countries. Whether you're traveling for business or personal reasons, you need a travel card that will reward you for using it. Avianca offers a variety of benefits to its customers. You’ll enjoy more modern planes such as the Boeing 787, Airbus A330, and the Airbus A321, which are roomier and equipped with more amenities.

You’ll also like that your baggage is included in your airfare. This includes both checked and carry-on luggage. You’ll want to check out how many bags you can bring with you on the Avianca baggage policy page before your trip. Avianca Airlines has lots of flights that you can choose from no matter what part of the United States you’re traveling from. They offer round-trip flights from Miami, New York, and more to all major Latin countries. It’s your go-to airline service when you need to visit family or book a business trip.

Avianca Vida Visa® Card

Overall Rating

Card type

  • Credit Card

Annual Fee

  • $59

What is the Avianca Vida Visa® Card?

Avianca Airlines offers two primary credit cards that reward you for flying with them. The Avianca Vida Visa credit card is the lower tier card of the two, but you’ll still get plenty of rewards for a small annual fee of $59. Avianca allows you to earn LifeMiles, which can be used toward future travels or at qualifying Avianca sponsors. You’ll earn two LifeMiles for every dollar spent on Avianca purchases and one LifeMile for every dollar spent everywhere else.

This makes the Avianca Vida Visa card a great card to own for both travel-related and personal reasons. We like the idea of having only one card for all your needs. This helps reduce the number of bills you need to pay each month and encourages you to make timely payments that you’ll less likely to miss. The Avianca Vida Visa card can be used if you travel often or even if you only travel once in a while. You’ll be rewarded each time you use it, no matter what you buy.

Here are some key highlights of the Avianca Vida Visa Card:

  • $59 annual fee
  • 14.99% to 27.99% APR
  • 0% APR on balance transfers for the first 12 months, and after the intro offer ends, the APR will be 14.99% to 27.99% (must transfer the balance during the first 90 days of account opening)
  • Offer bonus of 20,000 LifeMiles after your first purchase on the card, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.

  • Earn two LifeMiles for every dollar spent on Avianca purchases
  • Earn one LifeMile for every dollar spent on everything else
  • 15% discount on miles with Multiply Your Miles
  • No limit on the number of LifeMiles you can earn

The Avianca Vida Visa® offers plenty of chances to earn LifeMiles. You can use your card on Avianca airlines and at any one of its partners. You can also earn LifeMiles by using your card on everyday purchases. This makes it an ideal card to have no matter what you use it for. It has a low annual fee, and you can transfer your balances from other cards at 0% APR for 12 months. Your account needs to be in good standing to earn LifeMiles, and the company will check your credit score before approving you. This means that they will do a hard pull on your credit and it will show up on your credit score. For this reason, we recommend that you are 100% sure before filling out an application for any credit card.

Benefits of the Avianca Vida Visa® Card

We like that the Avianca Vida Visa is affordable and allows you to earn LifeMiles for any purchase you make. It’s a great card if you travel to the Latin American countries often or even just once a year. You can use the card on everyday purchases and still get rewarded. We also like that you can transfer balances from other credit cards to your Avianca Vida Visa for 0% APR for the first 12 months. After that, your APR will be 14.99% to 27.99%. This number largely depends on your credit score and credit history.

Here are some other benefits of the Avianca Vida Visa card:

Ability to auto pay

Electronic statements

Travel accident insurance

Online account management

Emergency card replacement

Protection against unauthorized charges

Chip in the card for additional security

Auto rental collision damage waiver so that you don’t need to sign for one every time you rent a car

0% APR on balance transfers for 12 months

There are a few things to be aware of before applying for the Avianca Vida Visa. First, you’ll want to be sure that you can make all your payments on time. There is a fee of up to $10 associated with returned payments. Late payments are subject to up to a $38 fee. Cash advances and convenience checks will cost you 2% of the amount of each transaction (the minimum is $2 and the maximum is $10). The same rate applies to balance transfers made after the first 90 days of account opening. The foreign transaction fee is 1% of each transaction in US currency.

Also, the APR for cash advances is 25.99% to 29.99%. This number will largely depend on the Prime Rate. Penalty APR’s are also 29.99%. A penalty APR can be applied to your account if your payment is over 60 days late. The penalty APR will last until the amount becomes current. You’ll also have to pay on time for six consecutive payments at your minimum required payment amount.

Avianca wants to make sure you know that the following transactions don’t qualify as eligible purchases and won’t earn you LifeMiles:

The use of convenience checks

Cash advances

Balance transfers

Unauthorized or fraudulent charges

Any fees, including annual fees or balance transfer fees

Any transaction that is equivalent to a cash advance

How Does Avianca Vida Visa® Card Work?

Using your Avianca Vida Visa card is easy. You can use it like you would normally use any credit card. Every time you use it, you’ll earn LifeMiles. These LifeMiles can be redeemed for various perks. You’ll earn two times the LifeMiles when you use your card on Avianca flights and other travel related expenses. All other purchases will earn you one LifeMile.

We like the earning potential that the Avianca Vida Visa card has to offer. Some cards make you pay up to $10 or $15 before you see any rewards at all. But the Avianca Vida Visa card rewards you per dollar spent. This means that you’ll earn LifeMiles no matter how small the purchase is. You can use your card to buy your everyday coffee and book your next trip to Columbia. You’ll earn LifeMiles either way.

The following is a list of places you’ll earn two LifeMiles from when you use your Avianca Vida Visa card:

  • Purchases made directly from Avianca
  • Purchases made from www.avianca.com
  • Purchases made from www.lifemiles.com
  • Purchases made from the Avianca Call Center

You can also redeem your LifeMiles for any of the following costs:

  • Baggage fees
  • Car rentals
  • Seating upgrades when applicable
  • Tours, Hotel fees
  • Merchandise purchases at partner sponsors and more

The best way to redeem your LifeMiles is to exchange them for airfare from Avianca. You can also redeem your LifeMiles for airfare through Star Alliance, which is Avianca’s partner affiliate. Your redemption rates and terms may vary depending on the flight length and where you are going. Redemption rates are not a reflection of the ticket price of your airfare. A round-trip for an economy class flight within North America requires 25,000 LifeMiles, no matter what the cost is. You’ll need to redeem more miles for flights outside of North America.

Keep in mind that your best bet is to redeem your LifeMiles for airfare. Redeeming them for other purchases may devalue the miles. As a card holder, you’ll get a 15% discount on the purchase of LifeMiles. This means that you can always buy more LifeMiles if you don’t have enough to fund a trip. The cost is around $33 for 1,000 LifeMiles plus taxes. However, you’ll get 15% off this rate if you’re an Avianca Vida Visa card holder. This brings your total to $28 for 1,000 LifeMiles. Because it’s a Visa card, you’ll enjoy some nice benefits that help you save even more money on travel-related expenses.

These include the following:

  • Free collision damage waiver for rental cars (you must fully charge your rental car to your Avanca card)
  • Insurance for travel accidents
  • Emergency card replacement if you lose your card while traveling
  • Fraud protection (you won’t be held responsible for unauthorized charges)

Avianca Vida Visa® Credit Card: PROS and CONS

The Avianca Vida Visa card is a no-brainer if you travel to Latin American countries often. But it can also be a good choice if you only visit there once a year or so. We like that you can use the card for both personal and business purposes. The average card holder will likely be someone who travels more than most. You can use this card whether you’re traveling within North America or if you take the occasional trip south. Plus, you can use the card on other purchases outside of travel. You just won’t be rewarded as much for them.

Avianca Vida Visa® Card PROS

  • Welcome bonus offer of 20,000 LifeMiles, plus additional 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening. Promo code SB4060 must be entered when completing application in order to receive the additional welcome bonus miles after qualifying purchases.

  • You’ll earn two LifeMiles for every dollar spent on purchases at Avianca and LifeMiles
  • You’ll earn one LifeMile for every dollar spent elsewhere (this means you’ll earn LifeMiles no matter what you use your card on)
  • There is a 15% discount on LifeMiles (you can use this discount to buy more LifeMiles to fund a trip if you’re short)
  • Electronic statements and online account access (you can access your account anytime, anywhere)
  • You can redeem your miles at Avianca and its partners, including Star Alliance and United Airlines (this means you can use your miles for flights within the United Stated if needed)
  • You can transfer your balance from other credit cards for 0% APR for the first 12 months
  • Travel insurance included and complimentary rental car damage waiver provided
  • There is no cap or limitations on how many LifeMiles you can earn
  • Emergency card replacement and fraud protection guarantee offered
  • Card can be used for travel, business or personal reasons
  • Low annual fee of $59 and $0 for additional cards
  • Card has a chip in it for additional security
  • Automatic rental collision damage waiver

Avianca Vida Visa® Card CONS

  • Your LifeMiles are best valued when you spend them on airfare with Avianca and its affiliates. Spending your LifeMiles on other purchases greatly devalues them. This means that if you don’t fly Avianca often, you could find better rates elsewhere. Avianca is not well known in the United States, but it’s worth knowing if you travel between North and South American often. If you only fly occasionally, then you may want to find a different card.
  • Good credit is required to apply. However, this is true of most credit cards. Avianca will be less likely to approve you if your credit history is bad. Bad credit shows that you may not make your payments on time, which means you might be too risky to do business with. For this reason, it’s always important to make timely payments and never spend more than you can pay back. You’ll be charged a late payment fee and your APR will go up for six billing cycles.
  • There are additional fees to be aware of, such as late payments, balance transfers, and more. Be sure you read all the fine print before signing so that you’re prepared. You will always want to confirm which purchases are considered eligible to use your LifeMiles on.

One of the best things about the Avianca Vida Visa card is that there is no minimum required purchase to get your welcome bonus offer. Other cards offer more impressive welcome bonus points, but you’ll have to spend a minimum amount. For example, many American Express cards want you to spend at least $3,000 within 90 days before you can cash in on its welcome bonus offer. The 20,000 welcome bonus LifeMiles do not require a minimum purchase amount, but the additional 20,000 bonus miles require $1,000 in purchases made in the first 90 days.

How To Apply Avianca Vida Visa® Credit Card

The Avianca Vida Visa card requires you to have good credit to apply. This is true of most credit cards. Having good credit will also help improve your terms and conditions. For example, having a long history of good credit may help you get larger credit limits and lower interest rates. This isn’t just true of the Avianca card. Most credit card companies will do this.

01.

The application process for the Avianca Vida Visa card is easy. You’ll need to go to the website and click on the Apply Now button. The application process includes entering your personal and financial information. It helps to have this information handy in front of you to avoid your session timing out.

02.

Keep in mind that Avianca will do a hard pull on your credit. This will show up on your credit report. Be certain that this is the card you want before filling out an application. You may also want to make sure you sign up at www.lifemiles.com. Your account will help you keep track of your miles. Your LifeMiles will not expire as long as you use your card once every 24 months to make eligible purchases.

03.

You can also keep your LifeMiles in good standing by redeeming some of your miles on Avianca airlines, an affiliate carrier or through a LifeMiles participant. If you don’t use your card or your miles at least once every 24 months, then your miles and balance will be zero.

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Apply for the Avianca Vida Visa® Credit Card now and get a response in 60 seconds

Avianca Vida Visa® Card

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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