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. 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.
Card type
Annual Fee
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 money 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 and awhile. 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:
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 Latian 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 15.74% to 25.74%. 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 advantages 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 26.99%. This number will largely depend on the Prime Rate. Penalty APR’s are also 26.99%. 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 because 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:
You can also redeem your LifeMiles for any of the following costs:
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 find 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:
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
Avianca Vida Visa® Card CONS
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. But the Avianca Vida Visa gives you 20,000 LifeMiles no matter how small your first purchase is. You also don’t have to rack up a minimum payment. Just make a purchase with your card within 90 days and the bonus is yours.
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.
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.
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.
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.
The above review of the Avianca Vida Visa is based solely on the opinion of Creditnervana. We feel that this card is a must-have if you travel to Latin American countries often. The card allows you to earn two LifeMiles for every dollar spent on purchases at Avianca and related affiliates. You’ll also get one LifeMile for all other purchases made anywhere else. This makes it an ideal card to have for both personal and business uses.
Keep in mind that your LifeMiles are best valued on airfare through Avianca. If this is not your primary use for the card, then you may want to consider a different card. We like that the welcome bonus offer of 20,000 LifeMiles does not require a minimum spending limit. You’ll receive your bonus no matter how big or small your first purchase within 90 days is.
We also like that your LifeMiles never expire as long as you are active with your card every 24 months. You also get travel insurance, emergency card replacement, and other perks. The annual fee is low, and you can transfer your balances from other cards for a 0% APR for the first 12 billing cycles. You can use your LifeMiles at airlines outside of Avianca, which is important if you travel more than just to Latin American countries. Visit the website for more information.
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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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