Spirit Airlines World Mastercard®

Bank of America Mastercard World Mastercard Pending

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11

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: free-spirit-travel-mastercard

Issuer: Bank of America

Card Name: Spirit Airlines World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:31

Last Scraped: Feb 11, 2026 11:45

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Spirit Airlines Purchases 3x Miles Eligible purchases made directly with Spirit Airlines. No Cap
Dining 2x Miles Eligible dining purchases. No Cap
Groceries 2x Miles Eligible grocery store purchases. No Cap
All Other Purchases 1x Miles All other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Miles

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x on eligible Spirit purchases, 2x on eligible dining and grocery store purchases

Quarterly Rotating: No

Expiration Policy: Your Free Spirit Miles don't expire as long as your account is open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 11 Total
PENDING
Financial Tools 1
Free FICO® Score Access
Free FICO® Score

Access your FICO® Score for free within your online banking account.

Rewards 3
Welcome Bonus Points
5,000 bonus points

Earn 5,000 bonus Free Spirit® points after making at least $1,000 in purchases within the first 90 days of account opening.

Spirit Airlines Purchase Rewards
2 points per $1

Earn 2 Free Spirit® points for every $1 spent on eligible purchases made directly with Spirit Airlines.

Everyday Purchase Rewards
1 point per $1

Earn 1 Free Spirit® point for every $1 spent on all other eligible purchases.

Security 3
Mastercard ID Theft Protection™
Identity theft resolution services

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.

Zero Liability Protection
Protection against unauthorized charges

You are not responsible for unauthorized transactions made with your card.

Fraud Monitoring
Proactive fraud detection

Continuous monitoring of your account for suspicious activity to help prevent fraud.

Travel Benefits 4
Annual Companion Flight Voucher
$100 voucher annually

Receive a $100 Companion Flight Voucher each anniversary year after making at least $5,000 in purchases within the prior anniversary year.

Zone 2 Priority Boarding
Zone 2 priority boarding

Enjoy Zone 2 priority boarding on all Spirit Airlines flights when using your card.

In-Flight Food and Beverage Rebate
25% rebate

Receive a 25% rebate on in-flight food and beverage purchases when you use your card on Spirit Airlines flights.

No Foreign Transaction Fees
0% foreign transaction fee

Avoid additional charges on purchases made outside the United States.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

50,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Fee Structure
PENDING
Annual Fee: $89.00
Year 1 Waived: No
Effective Annual Fee: $89.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $1.50
Additional Fees
PENDING
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%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Free Spirit Travel Mastercard in 2026 requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, and possess a good to excellent credit score (typically 670+). Applicants should not have recent bankruptcies or significant delinquencies. Bonus eligibility typically requires not having received a welcome bonus for this specific card product within the last 24 months. Bank of America's application velocity rules, known as the '2/3/4 Rule,' are strictly enforced: applicants are generally limited to 2 new Bank of America cards in the past 2 months, 3 new cards in the past 12 months, and 4 new cards in the past 24 months. A typical welcome bonus might be 'Earn 50,000 bonus Free Spirit miles after spending $2,000 in the first 3 months of account opening.'

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bank of America products, abnormal spending patterns inconsistent with declared income, bust-out risk indicators, multiple recent applications across various issuers, non-payment or frequent late payments, excessive credit limit increase requests, or suspected fraud.

Cliff Effect Rules: Bonus eligibility for the Free Spirit Travel Mastercard is typically restricted to applicants who have not received a welcome bonus for this specific card product within the last 24 months. Additionally, while not a direct application rule, Bank of America's Preferred Rewards program offers significant bonus earning potential (25% to 75% more rewards) on eligible cards, creating a 'cliff effect' where card value dramatically increases for customers maintaining substantial assets with Bank of America.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the no annual fee, no foreign transaction fees, and the bonus miles/accelerated earning on Spirit Airlines purchases, making it valuable for frequent Spirit flyers.

Top Negative:
Criticisms often focus on the low general spending rewards, the limitations of Spirit Airlines' service, and the restricted redemption options solely to Spirit.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Bank of America® Travel Rewards credit card
  • Free Spirit® Travel More Mastercard®
  • Capital One VentureOne Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2023.10