Spirit Airlines Free Spirit® Travel Mastercard®
Basic Information
Program ID: free-spirit-travel-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:31
Last Scraped: 01/15/2026 17:33
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus miles will be awarded within 8-12 weeks after you have met the spending requirement.
Rewards Program
Reward Type: Free Spirit Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Spirit Airlines Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles expire after 12 months of account inactivity; using the Free Spirit Travel Mastercard keeps the Free Spirit account active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: This analysis for 2026 is based on current Bank of America credit card application and issuer policies, which are subject to change. Eligibility for the Free Spirit Travel Mastercard typically requires good to excellent credit (FICO score generally 700+), being at least 18 years old, a U.S. resident, and possessing a valid SSN or ITIN. The standard sign-up bonus usually requires meeting a specified spending threshold within the initial months of account opening. Applications are subject to Bank of America's internal velocity rules, commonly known as the 2/3/4 rule.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Bank of America accounts, rapid application for multiple cards (even within issuer rules), unusual spending patterns inconsistent with income, frequent balance transfers without new spending, late payments, or defaulting on other Bank of America products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for frequent Spirit Airlines flyers, offers valuable travel perks like free checked bags and priority boarding, good for earning miles on Spirit purchases.
Top Negative Feedback:
Annual fee may not be justified for infrequent travelers, rewards are limited to Spirit Airlines, Spirit's customer service can be inconsistent.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Bank of America® Travel Rewards credit card
- Alaska Airlines Visa Signature® credit card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $145.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 70% General / 30% Spirit Airlines
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0