The Free Spirit® Travel World Mastercard® is ideal for a very specific traveler: One who occasionally flies with the airline and wants to earn extra miles toward their next Spirit flight, along with a few perks in exchange for a low annual fee. Anyone else should steer clear of this card.
About the Free Spirit Travel World Mastercard
The Free Spirit® Travel World Mastercard® is likely to appeal to a consumer segment slimmer than the middle seat on an economy airline. If you’re an infrequent Spirit traveler that wants a few perks with the airline but aren’t willing to pay an annual fee, this card might be right for you.
Cardholders earn 2 points per dollar on eligible Spirit purchases and can pool those points with friends and family. Points never expire, and there are no blackout dates, so you can travel freely throughout the Americas. Cardholders get automatic Zone 2 boarding and a 25% rebate on inflight food and beverage purchases when traveling.
As with many co-branded airline cards, you won’t want to make this your primary card, as other cards will have a better earn rate and the ability to transfer to several partner airlines. However, this card is an excellent addition for those Spirit travelers that want to elevate their experience and occasionally fly for free with points.
The current welcome offer gives you an additional 10,000 bonus points when you spend at least $500 on purchases in the first 90 days of account opening. This is very accessible, even for modest spenders.
Free Spirit Travel World Mastercard basics
- Annual fee: $0.
- Welcome bonus: Earn 10,000 bonus points after spending at least $500 on purchases in the first 90 days of account opening.
- Rewards: Earn 2 points per dollar on eligible Spirit purchases, 1 point per dollar spent on all other purchases.
- Regular APR: 19.49% – 27.49% variable.
- Other perks and benefits: Access to points pooling, 25% rebate on inflight purchases, automatic Zone 2 boarding.
- Does the issuer offer a pre-approval tool?: No.
- Recommended credit score: Good to excellent.
Free Spirit Travel World Mastercard other details
Free Spirit Travel World Mastercard rewards
The Free Spirit Travel World Mastercard gives cardholders 2 points per dollar spent on eligible Spirit flights and 1 point per dollar on all other transactions. This card has no rotating categories or tiered earnings systems, making it a straightforward program for anyone.
You can start redeeming at just 1,000 points with the Free Spirit Points + Cash program. At 2,500 points, you can begin to cover the cost of a flight solely with points. Your points never expire, and there are no blackout dates.
There is currently no publicly available chart to determine how much a flight will cost in points, but it is based on the dollar amount. To give you an idea, you could fly from New York City to Tampa, Florida, in the spring of 2023 for just 5,000 points one way.
Your points also work for international destinations. For example, a round trip flight from New York City to Lima, Peru, in May 2023 was available for booking in Feb. 2023 for just 24,000 points plus taxes and fees. The same flight would cost $420.80 out-of-pocket, giving you a valuation of just over 1.7 cents per point.
Spirit travels to over four dozen domestic and nearly three dozen international destinations in dozens of countries throughout Central and South America, so there is no limit to where your points can take you.
Free Spirit Travel World Mastercard rewards potential
Using government data and other publicly available information, Sound Dollar estimates that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card.
Of that $25,087, we estimate our sample household will spend $1,188 annually on flights. Assuming all flights are booked on Spirit that would net 2,376 points. The remaining spending on the card of $23,899 would earn an additional 23,899 points for an estimated total of 26,275 points each year. The value of a point on Spirit will vary somewhat as different flights require different amounts of points.
Free Spirit Travel World Mastercard APR
The Free Spirit Travel World Mastercard has a variable APR rate of 20.24% to 28.24% based on creditworthiness.
A penalty APR may be applied indefinitely if you make a late payment. You will also be charged a late payment fee of $29 for your first late payment and $40 for all subsequent late payments within six billing cycles of the first occurrence.
Free Spirit Travel World Mastercard pros
- No annual or foreign transaction fees: You can put more money towards travel when you don’t have to budget for an annual fee or additional charges when using your card internationally.
- Annual point bonus: Earn 5,000 bonus points on each account anniversary after spending $10,000 on your card in the previous year. That’s typically enough points for a one-way flight across the country just for using your card throughout the year.
- Mastercard benefits: Enjoy all the benefits of being a Mastercard cardholder, like $0 liability fraud protection, identity theft protection, and global emergency services.
Free Spirit Travel World Mastercard cons
- Low earning potential: 2 points per dollar spent is relatively low compared with other travel cards on the market.
- Does not include a free checked bag: Many airline credit cards will offer a free checked bag on flights for cardholders, but the Free Spirit Travel World Mastercard falls short on that front. Checked bags start at $36 each way, which is not an insignificant cost for such an affordable plane ticket.
- No bonus categories: The card would be even better if it earned points in bonus categories like restaurants, supermarkets, or gas stations. However, these purchases only get 1 point per dollar spent, so you should likely use a different card to maximize your earning potential.
How the Free Spirit Travel World Mastercard compares to other travel cards
Free Spirit Travel World Mastercard vs. Frontier Airlines World Mastercard®
Another low-cost airline is Frontier, which also offers a co-branded Mastercard. There is an $89 annual fee, but cardholders earn 5 miles per dollar on eligible purchases at flyfrontier.com, 3 miles per dollar on restaurant purchases and 1 mile per dollar on all other purchases. There’s also a significant 50,000 bonus points after spending just $500 on purchases and paying the annual fee in full within 90 days after account opening.
Apart from earning potential, the Frontier Airlines World Mastercard has many of the same benefits, like no foreign transaction fees and family point pooling. Which one is better for you in this case will primarily depend on which airline is more convenient for you.
Free Spirit Travel World Mastercard vs. Allegiant World Mastercard®
The Allegiant World Mastercard earns 3 points per dollar on Allegiant Air purchases (air, hotel, car rental and attractions), 2 points per dollar spent on qualifying dining purchases and 1 point per dollar on all other purchases. The current welcome bonus gives new cardholders 15,000 bonus points after spending $1,000 on purchases within the first 90 days.
The annual fee is just $59 and includes priority boarding and one complimentary drink on all Allegiant flights. Cardholders also enjoy buy one, get one free airfare when purchasing Allegiant vacation packages of four or more hotel nights or seven or more rental car days.
Free Spirit Travel World Mastercard vs. Chase Freedom Flex℠
If a co-branded Spirit credit card is not suitable for you, consider getting a cash-back card that can put a little extra money in your wallet each month. With the Chase Freedom Flex*, cardholders earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases. There is no annual fee, making it a great value add to any household.
You can earn an additional $200 cash back after $500 in purchases in the first three months after account opening and a 0% intro APR on purchases and balance transfers for 15 months, after which a 19.74% to 28.49% variable APR applies.
*The information for this card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Should you get the Free Spirit Travel World Mastercard?
If you occasionally travel Spirit, getting the Free Spirit Travel World Mastercard could be worthwhile. Although you might not get some of the premium benefits of the Free Spirit Travel More World Elite Mastercard, you also do not have to pay an annual fee.
The card is issued by Bank of America, which provides some significant protections, like $0 fraud liability, that you can expect from a large bank. You should also consider if there are any other cards you might be interested in signing up for in the near future to determine if this card makes sense for you.
All in all, if you fly Spirit occasionally, it could certainly pay off to book those flights with this card. Make sure to use another travel card like the Chase Freedom Flex for your daily purchases to get the best value.
Free Spirit Travel World Mastercard summary
|Free Spirit Travel World Mastercard card details|
|Rewards||2 points per dollar on Spirit purchases, 1 point on all other purchases.|
|Welcome bonus||10,000 bonus points when you spend $500 or more within 90 days of account opening.|
|Regular APR||19.49% to 27.49% (variable)|
|Foreign transaction fee||None|
|Major perks/benefits||Zone 2 Shortcut Boarding on all flights, receive 5,000 bonus points each account anniversary after spending $10,000 on purchases in the previous year, 25% rebate on inflight food and beverage purchases, pool your points with friends or family.|
Frequently asked questions (FAQs)
The Free Spirit Travel World Mastercard gives decent perks to infrequent Spirit travelers for no annual fee. On the other hand, the Free Spirit Travel More World Elite Mastercard provides additional perks, like an additional point per dollar on purchases, but comes with a $79 annual fee that is waived the first year.
Currently, you can get 50,000 bonus points and a $100 companion flight voucher after spending $1,000 on purchases within the first 90 days of opening a Free Spirit Travel More World Elite Mastercard account. To determine which is right for you, consider how frequently you fly with Spirit and if the benefits outweigh the cost.
A good-to-excellent credit score will give you the best approval odds for the Free Spirit Travel World Mastercard. This means that you will likely need a FICO Score between 670 and 850.
Yes, you can use your Free Spirit Travel World Mastercard anywhere that Mastercard is accepted. You can also use it overseas without any additional charges since the card doesn’t carry any foreign transaction fees.
The credit limit for your Free Spirit Travel World Mastercard will be individualized based on your credit score, payment history, credit utilization, length of credit history, and credit mix, among others. Upon approval, you will be notified of your credit limit for your new card.
Yes you can, since it's a Mastercard. You can use it anywhere Mastercard is allowed, which means you'll be able to buy a ticket with whatever airline you want. You won't get the same perks though! WalletHub Answers is a free service that helps consumers access financial information.Does the Free Spirit card have foreign transaction fees? ›
The Free Spirit card offers perks like priority boarding, Points Pooling, a 25% discount on inflight purchases, and no foreign transaction fees, and it keeps your Free Spirit points from expiring!Does Free Spirit Mastercard have an annual fee? ›
Rewards: Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and grocery store purchases; and 1 point per dollar spent on all other purchases. Annual fee: $0 Introductory Fee for the first year. After that, your Annual Fee will be $79.How to avoid spirit airlines baggage fee? ›
- Only pack a personal item. You can take one personal item that fits underneath the seat in front of you for free. ...
- Pay for baggage during booking. ...
- Join the Spirit Saver$ Club. ...
- Bring your military documentation. ...
- Use a travel credit card.
, 50,000 Spirit miles are worth about $400. How much are 80,000 Spirit miles worth? , 80,000 Spirit miles are worth about $640.Do you get free luggage with Spirit credit card? ›
Unlike a lot of other airline credit cards, the Free Spirit® Travel More World Elite Mastercard® doesn't offer free checked bags. And that could be a significant cost on top of what otherwise might be a rock-bottom ticket price: Checked-bag fees with Spirit start at $30 one way.What airline is Spirit affiliated with? ›
In July 2022, JetBlue reached an agreement to purchase Spirit for $33.50 per share, with additional inducements for Spirit shareholders. If the deal goes through, the unified company will become the fifth-largest airline based in the United States.What does $1000 Spirit Miles get you? ›
|Rewards Program||Average Mile Value||Value of 1,000 Miles|
|Free Spirit Miles||0.95 cents||$9.5|
|United MileagePlus||1.19 cents||$11.9|
|Southwest Airlines Rapid Rewards||1.33 cents||$13.3|
|Delta SkyMiles®||1.12 cents||$11.2|
The Spirit Airlines Free Spirit program is the 9th best frequent flyer program for 2023, according to WalletHub's review. Some of the best qualities of Free Spirit are points worth an average of 0.95 cents apiece, bonus points on flights for elite members, and no blackout dates.How do I avoid Spirit cancellation fee? ›
Spirit cancellation policy
If you cancel a flight within 24 hours or less from booking and the flight is seven or more days away, you're eligible for a full refund to your original form of payment. 60 or more days. Free.
The Free Spirit Airlines Credit Card credit score requirement is 750 or better. This means that you need at least good credit to get approved for this credit card.What is the inactivity fee for Mastercard? ›
Dormancy fees, also called inactivity fees, are no longer allowed in the United States under the Credit CARD Act of 2009. 1 However, credit card issuers are allowed to cancel a cardholder's account for inactivity of a year or longer.Do you have to pay off a Mastercard every month? ›
It's Best to Pay Your Credit Card Balance in Full Each Month
Leaving a balance will not help your credit scores—it will just cost you money in the form of interest. Carrying a high balance on your credit cards has a negative impact on scores because it increases your credit utilization ratio.
Cardholders can use their eligible Mastercard payment card, and the programme's supporting website and app seamlessly, to access a variety of benefits including: ・ Access to over 1000 lounges, in over 400 airports worldwide (120+ countries), regardless of their airline, frequent flyer membership, or class of ticket.Are bags cheaper at airport with Spirit? ›
The Spirit baggage policy is complex and subject to change. However, regardless of how much you pay when you end up traveling, the fee will always be cheaper if you pay it at the time of booking than at the airport.Are Spirit bags more expensive at the airport? ›
If purchased online during the flight booking process, the fee is typically $37. If, however, the allowance is purchased during online check-in, the fee increases to $45 as standard, it then increases to $55 at the airport or $65 at the gate.Does Spirit always charge for carry-on bags? ›
A personal item flies free of charge on Spirit flights, but it must be smaller than 18 inches by 14 inches by 8 inches and fit underneath the seat in front of you. For your other carry-ons, you will almost always need to pay for each bag, so long as it meets the Spirit Airlines carry-on size requirements.Is Spirit shortcut boarding worth it? ›
Starting at $5.99, Spirit's “Shortcut Boarding” access allows you priority boarding in Zone 2. Depending on the airport you're departing from, you may also be able to pay for "Shortcut Security," though we don't recommend it. It's not TSA Precheck, but it will allow you to go through security in an expedited lane.Do Spirit points ever expire? ›
Do Spirit points expire? Spirit points expire if you don't have any points activity in your Free Spirit account for 12 months in most circumstances. Though, if you hold the Free Spirit® Travel More World Elite Mastercard® or the Frontier Airlines World Mastercard®, your points don't expire.Do free Spirit points expire? ›
Points won't expire as long as you continue to earn or redeem with Spirit or with Free Spirit partners within 12 months. Another way to earn points and keep them from expiring is to apply for the Free Spirit® Travel More Mastercard®.
Most airlines allow backpacks as carry-ons, but size and weight restrictions vary depending on the carrier. Typically, the bag must be within the cabin baggage dimensions of around 22 x 14 x 9 inches (56 x 36 x 22 cm), commonly considered the standard size for carry-on.Can I bring a purse and a backpack on Spirit Airlines? ›
One personal item that fits entirely in the smaller sizer box (like a purse, small backpack, etc.) is included with your ticket. Another personal item or anything larger like a standard carry-on or checked bag will need to be paid for. **For Military Bag policies please click here.Do you have to pay for checked bags twice on a round trip Spirit? ›
One important thing to remember when flying is that airline baggage fees are charged both ways. So, if your outbound flight charges you $30 for your first standard checked bag, expect to pay another $30 for that same bag on your return flight back home (that's $60 bucks, roundtrip).Does Delta own Spirit? ›
After a months-long bidding war, JetBlue Airways has agreed to buy Spirit Airlines for $3.8 billion. The deal, which was announced in July and approved by Spirit shareholders on Wednesday, would create the fifth largest airline, behind American Airlines, Delta, United and Southwest.Is Spirit owned by American? ›
Spirit Airlines was acquired by JetBlue Airways for $3.8B on Jul 28, 2022 .What company owns Spirit? ›
New York-based JetBlue's acquisition of Spirit faced a high hurdle with regulators from the start, and the airline on Monday said it expected DOJ action this week.What does 500 free Spirit points get you? ›
As flight redemptions start at just 2,500 points, 500 Free Spirit points gets you 20% of a flight without having to do anything beyond registering.Can I use Spirit points for seats? ›
Note that there is no way to use points for any other airline purchases, such as seats, baggage, or onboard spending. Points can only be used for the base fare portion of the ticket, other fees and taxes must be paid in cash.How many Spirit points do I need to redeem for a flight? ›
With reward redemptions starting as low as 2,500 points, we're making it easy to get to your next reward flight faster.What is the advantage of free Spirit? ›
This means you'll earn points for every purchase with us and with select partners. With redemption available on every seat on every flight, faster ways to redeem, and new rewarding status levels, you'll earn More Go with every flight you take. Creating an account is quick, easy, and free. Learn more here.
The share of bags lost, stolen, delayed, or damaged is 4.21 per 1,000 bags, which is similar to Southwest Airlines.
These seats located at the front of the plane are larger and more comfortable than economy class seats. They boast a 36-inch pitch (plus curved seatbacks to offer more room for your knees) and an 18.5-inch width, which means you can enjoy 6 more inches of legroom than a standard seat.How often do Spirit flights get Cancelled? ›
|Percent of on-time flights||Percent of canceled flights|
If Spirit cancels your flight, it doesn't matter what type of airfare you bought; you're entitled to a full refund. According to the U.S. Department of Transportation, travelers are entitled to a full refund if the airline calls off your flight, regardless of the reason, and you choose not to travel.Is it better to cancel a flight or change it? ›
If you purchased a round-trip flight and need to change the first leg to a different day, your best bet will likely be to pay the change fee and book a new flight. If you only need to change the return portion of a round trip, however, it may be cheaper to book a new one-way flight than to pay the cancellation fee.Does Spirit give you random seats? ›
Spirit will randomly assign you a seat at check-in for free, but we can't guarantee that you'll get to sit with your friends or family.What bank does Spirit credit card use? ›
Introduction. The Bank of America Spirit Airlines World Mastercard offers a lot of value for frequent Spirit Airlines customers. Cardholders can earn double miles on every purchase—2 Free Spirit miles per dollar spent. Cardholders also gain access to Spirit Airlines' off-peak awards which start at just 2,500 miles.Does my credit score go down if I don't use my credit card? ›
If you don't use your credit card, your card issuer can close or reduce your credit limit. Both actions have the potential to lower your credit score.Does it affect your credit score if you don t use a credit card? ›
Bottom Line. If you don't use a particular credit card, you won't see an impact on your credit score as long as the card stays open. But the consequences to inactive credit card accounts could have an unwanted effect if the bank decides to close your card.How often should you use a credit card to keep it active? ›
You should use your credit card at least once every three months to keep it active (but more often than that if you want your credit score to improve at a faster rate). Not all issuers are the same when it comes to credit card inactivity.
With the 15/3 credit card payment method, you make two payments each statement period. You pay half of your credit card statement balance 15 days before the due date, and then make another payment three days before the due date on your statement.What is the 15 3 rule? ›
Review your credit card statement and find the date that your minimum payment is due. Subtract 15 days from your due date. Write down the date from step two and pay at least half of the balance due—not the minimum payment—on that date. Subtract three days from your due date.Is it better to close a credit card or leave it open with a zero balance? ›
In general, it's better to leave your credit cards open with a zero balance instead of canceling them. This is true even if they aren't being used as open credit cards allow you to maintain a lower overall credit utilization ratio and will allow your credit history to stay on your report for longer.Which card is best for free airport lounge access? ›
- HDFC Millennia Debit Card.
- InterMiles HDFC Signature Debit Card.
- HDFC EasyShop Platinum Debit Card.
- Axis Priority Debit Card.
- ICICI Coral Plus Debit Card.
- SBI Platinum International Debit Card.
- Kotak Privy League Signature Debit Card.
- Use cards that give free lounge access. ...
- Buy a third-party lounge pass. ...
- Buy one-time access to a lounge for as low as $23. ...
- Find free access with the LoungeBuddy app. ...
- Get free access as an active military member. ...
- Get an airline or alliance lounge membership. ...
- Gain entry with elite points status. ...
- Gain access with your ticket.
To use the Participating Airport Lounge, customer's Card must be validated at point of entry by swiping a transaction of a nominal Rs. 2 for access based on entry type 1. The customer will be denied the free entry if the Card is not approved by Issuer Bank upon this swipe.Does Spirit credit card include travel insurance? ›
The Spirit Airlines Credit Card offers travel insurance: You get trip cancellation and interruption protection for severe illness or weather-related reasons.How does a Spirit Airlines credit card work? ›
Earn 3 points per $1 spent on eligible Spirit purchases; 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases. Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.What is 60000 Spirit points worth? ›
If you're purchasing the maximum of 60,000 Free Spirit points under this offer at around $1,050, that means you can take 24 one-way trips at the lowest level 2,500-point cost.How many miles do you need on Spirit for a free flight? ›
|Free Spirit Points Needed for a Free Flight:||Min: 2,500 Avg: 19,500 Max: 36,500|
|Average Free Spirit Point Value:||1 mile= 0.95 cents 1,000 miles= $9.5|
|Free Spirit Airline Partners:||0 - Spirit Airlines does not have any airline partners|
You can see the world with 500,000 miles or use them for over 20 domestic round-trip flights (Estimated Value: $8K).How much is $500 Spirit points? ›
As flight redemptions start at just 2,500 points, 500 Free Spirit points gets you 20% of a flight without having to do anything beyond registering.Can I use my Spirit credit for luggage? ›
Reservation Credits can be used to pay for fares, bags, seats, fees, and taxes.What bank is Spirit credit card? ›
Introduction. The Bank of America Spirit Airlines World Mastercard offers a lot of value for frequent Spirit Airlines customers. Cardholders can earn double miles on every purchase—2 Free Spirit miles per dollar spent. Cardholders also gain access to Spirit Airlines' off-peak awards which start at just 2,500 miles.Is it hard to get a Spirit card? ›
The Free Spirit Airlines Credit Card credit score requirement is 750 or better. This means that you need at least good credit to get approved for this credit card.Will Spirit credit a missed flight? ›
Missed Flight Refund from Spirit Airlines
If a flight is missed, Spirit Airlines has a mechanism that allows refunds. Visitors can receive a refund for their airline tickets if they miss their trip.