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Sun Country Visa Signature® Credit Card – Full Review [2025]

Jarrod West's image
Jarrod West
Edited by: Michael Y. Park
& Jestan Mendame

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Sun Country Visa Signature® credit card

Sun Country Visa Signature® credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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  • $89

Sun Country Visa Signature® credit card

The Sun Country credit card helps helps you save money on your Sun Country flights and earn more points on all of your daily purchases.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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Summary

The Sun Country credit card can be a great option for Sun Country freqeunt flyers that live near one of its hubs, and are looking for a card that will help them save money and enhance their experience during flights with Sun Country.

Card Details

Card Snapshot

Welcome Bonus & Info

  • Earn up to 5x points on Sun Country purchases: 3x when you buy with your card, and 2x when you fly
  • Earn 2x points on gas station and grocery purchases
  • Earn 1x points on all other purchases
  • Points earned with the card don’t expire
  • 50% off your first bag for you and your travel companion on the same itinerary when purchasing pre-flight on SunCountry.com
  • 50% off best and standard seat selections on the same itinerary when purchasing pre-flight on SunCountry.com
  • 25% off food and beverages on Sun Country flights
  • 10,000-point anniversary bonus when you spend $10,000 in a cardholder year
  • Earn Plus status by flying spending $10,000 on their Sun Country Visa Signature card, either in a calendar year
  • Preferred Boarding (Zone 2)
  • Free Premium drink on every flight
  • No foreign transaction fees
  • $89 annual fee

Pros & Cons

Pros

  • Up to 5x points on Sun Country purchases: 3x when you buy with your card, and 2x when you fly
  • 2x points on gas station and grocery purchases
  • 1x points on all other purchases
  • 50% off your first baggage purchase for you and your travel companion on the same reservation when purchasing preflight
  • 50% off Best and Standard seat selections for you and travel companions on the same reservation when purchasing preflight
  • 10,000 points anniversary bonus when you spend $10,000 on the card in a cardmember year
  • Points don’t expire
  • Preferred boarding
  • Free premium drink on every flight
  • 25% off inflight food and beverages
  • No foreign transaction fees
  • Qualify for Sun Country Plus status when you spend $10,000 on the card in a calendar year

Cons

  • Charges an $89 annual fee
  • The rewards you earn can only be redeemed with Sun Country

Great Card If

  • You live near an airport serviced by Sun Country and fly with the airline fairly often.
  • You want additional perks on your Sun Country flights and a faster path toward elite status.

Don’t Get If

  • You seldom fly with Sun Country.
  • You want a card with flexible rewards that can be redeemed with multiple airlines.

Sun Country Credit Card: Is It Worth It?

If you live near an airport serviced by Sun Country and fly with the airline often, adding the Sun Country credit card to your wallet could be worth it.

Not only does the card help you earn more points on your flights with Sun Country and your daily purchases, it also comes with useful perks that both save you money and enhance your flight experience, like a discount on baggage and seat selection fees, priority boarding, a discount on inflight food and beverage purchases, a fast track toward elite status, and more.

Alternatively, if you live near an airport where Sun Country offers a limited number of nonstops or you simply don’t want the travel rewards you earn to be limited to 1 airline, you’d likely be better off choosing a credit card that earns transferable rewards.

Sun Country Credit Card Top Benefits and Perks

If you added the Sun Country credit card to your wallet, you can expect the following perks:

  • Discount on baggage fees: Get 50% off your first baggage purchase for you and your travel companion on the same reservation when purchasing preflight.
  • Discount on seat selection fees: Get 50% off Best and Standard seat selections for you and your travel companions on the same reservation when purchasing preflight.
  • Points don’t expire: Instead of your points expiring every 36 months after they’re earned, your points no longer expire as long as you hold the card.
  • Preferred boarding: Get Zone 2 boarding on all of your flights with Sun Country.
  • Free premium drink on every flight: Receive a free premium drink of your choice.
  • 25% off inflight food and beverages: When you purchase food and drinks on board and pay with your card, you receive a 25% statement credit.
  • No foreign transaction fees: When you travel internationally, you can continue to use your card without added fees.
  • Anniversary bonus points: Receive 10,000 anniversary bonus points when you spend $10,000 on the card in a cardmember year.
  • Earn elite status with card spending or flying: Qualify for Sun Country Plus status when you spend $10,000 on the card in a calendar year, which comes with perks like:
    • An additional 1x bonus points on flights booked online at suncountry.com, via the mobile app, or through reservations
    • Complimentary flexible fare: allows you to change or cancel your ticket without fees
    • Priority check-in
    • Priority security screening at Minneapolis-Saint Paul International Airport (MSP)
    • Zone 1 priority boarding

Best Ways To Earn and Redeem Your Points

The best way to earn more points with your Sun Country credit card is to use it for your travels with Sun Country and on your daily purchases, where you earn up to 5x points on Sun Country purchases (3x when you buy with your card and 2x when you fly), 2x points on gas station and grocery store purchases, and 1x points on all other purchases.

Once you’re ready to redeem your Sun Country points, you can redeem them toward flights, baggage fees, and seat selection fees on your Sun Country flights. All redemptions will receive a value of 1 cent per point, regardless of how you redeem them.

Alternative Cards to the Sun Country Credit Card

If you’re not committed to primarily flying with Sun Country or you’d prefer to earn rewards that can be redeemed with a variety of airlines, then consider one of these transferable rewards cards.

Capital One Venture Rewards Credit Card

With the Capital One Venture card, you could earn 5x Capital One miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, and an uncapped 2x miles on all other purchases.

It also comes with perks like up to a $120 Global Entry or TSA PreCheck application fee credit, no foreign transaction fees, purchase assurance, and MasterRental insurance. You can redeem your miles for virtually any travel expense or even transfer them to any Capital One transfer partner.

Citi Strata Premier℠ Card

The Citi Strata Premier card is great for racking up points on both travel and daily expenses. It offers 10x Citi ThankYou Rewards points on hotels, car rentals, and attractions booked through CitiTravel.com and 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations.

Plus, for a similar annual fee to the Sun Country credit card, it comes with perks like a $100 annual hotel benefit, no foreign transaction fees, trip delay insurance, rental car insurance, and access to the Citi ThankYou transfer partners.

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.

Frequently Asked Questions

Is there a Sun Country credit card?

Yes, there is a Sun Country co-branded credit card issued in partnership with Synchrony Bank.

Do you get a free bag with the Sun Country credit card?

No, the Sun Country credit card doesn’t offer a free bag, but it does offer 50% off your first baggage purchase for you and your travel companions on the same reservation when purchasing preflight with your credit card.

Does the Sun Country credit card have an annual fee?

Yes, the Sun Country credit card charges a $89 annual fee.

What are the benefits of the Sun Country credit card?

Some of the top benefits of the Sun Country credit card include:

  • 50% off your first baggage purchase, and 50% off Best and Standard seat selections, for you and travel companions on the same reservation when purchasing pre-flight
  • Preferred boarding
  • Free premium drink on every flight
  • 25% off inflight food and beverages
  • No foreign transaction fees
  • Points don’t expire
  • Qualify for Sun Country Plus status when you spend $10,000 on the card in a calendar year
  • 10,000 points anniversary bonus when you spend $10,000 on the card in a cardmember year
Is it hard to get approved for the Sun Country credit card?

Generally speaking, no, it should not be hard to get approved for the Sun Country credit card, provided that you have a good credit score. That said, there is no guarantee that you’ll be approved for the card regardless of how high your credit score is.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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