Spirit Airlines World Elite Mastercard

Bank of America Mastercard World Elite Pending

Back Apply Now

20

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: free-spirit-travel-more-world-elite-mastercard

Issuer: Bank of America

Card Name: Spirit Airlines World Elite Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:29

Last Scraped: Feb 11, 2026 11:42

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty servicemembers may qualify for SCRA benefits, including a reduced APR on credit card accounts and protection from certain collection actions. More details at bankofamerica.com/military.

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

Reward Type: Miles

Base Rate: 1x

Bonus Rate: 3x

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

Quarterly Rotating: No

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

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Redemption fees may apply for award tickets booked less than 28 days before departure.

Benefits & Protections (Detailed) 20 Total
PENDING
Airport Access 1
Mastercard Airport Experiences (LoungeKey)
Access to over 1,000 lounges (fee per visit)

Provides access to a global network of airport lounges and other airport benefits, often with a per-visit fee. (Standard World Elite Mastercard benefit)

Lifestyle 1
Concierge Service
24/7 personal assistance

Offers 24/7 personal assistance for a variety of needs, such as travel planning, dinner reservations, and event tickets. (Standard World Elite Mastercard benefit)

Purchase Protection 2
Purchase Protection
Up to $1,000 per claim, $50,000 per year

Covers eligible new purchases against damage or theft for a specified period (e.g., 90-120 days) from the date of purchase. (Standard World Elite Mastercard benefit)

Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claim

Extends the manufacturer's original warranty on eligible items purchased with the card for an additional period (e.g., up to one year). (Standard World Elite Mastercard benefit)

Rewards 3
Spirit Airlines Purchases Rewards
3X points

Earn 3 Free Spirit points for every $1 spent on eligible Spirit Airlines purchases.

Dining & Grocery Purchases Rewards
2X points

Earn 2 Free Spirit points for every $1 spent on eligible dining and grocery store purchases.

Everyday Purchases Rewards
1X point

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

Security 3
ID Theft Protection
Assistance services

Provides assistance with identity theft resolution services, including alerts and expert assistance. (Standard World Elite Mastercard benefit)

Zero Liability Protection
No liability for unauthorized transactions

Protects cardholders from unauthorized purchases made with their card, ensuring they are not held responsible for fraudulent transactions. (Standard World Elite Mastercard benefit)

Mastercard Global Service
Emergency services

Provides 24/7 emergency assistance for card-related issues, including emergency card replacement and emergency cash advances. (Standard World Elite Mastercard benefit)

Status Benefits 1
Free Spirit Status Point Earning
1 point per $10 spent

Earn 1 Free Spirit Status Point for every $10 spent on eligible purchases, helping you achieve Free Spirit elite status faster.

Travel 4
Annual Companion Flight Voucher
$100 per year

Receive a $100 Companion Flight Voucher after spending $5,000 or more on purchases within your card anniversary year.

In-Flight Food & Beverage Discount
25% back

Receive 25% back as a statement credit on in-flight food and beverage purchases made with your card on Spirit Airlines flights.

No Foreign Transaction Fees
0% fee

Avoid additional charges when making purchases outside the United States.

Travel Assistance Services
Assistance services

Provides a range of emergency travel services, including medical and legal referrals, emergency cash assistance, and lost document assistance, while traveling. (Standard World Elite Mastercard benefit)

Travel Insurance 5
Trip Cancellation/Interruption Insurance
Up to $5,000 per trip

Reimburses non-refundable fares if a trip is canceled or interrupted for covered reasons, such as illness or severe weather. (Standard World Elite Mastercard benefit)

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card. (Standard World Elite Mastercard benefit)

Baggage Delay Insurance
Up to $100 per day for 3 days

Reimburses for essential items when checked luggage is delayed by a common carrier for a specified period. (Standard World Elite Mastercard benefit)

Lost Luggage Insurance
Up to $3,000 per trip

Reimburses for lost or stolen checked or carry-on luggage when tickets are purchased with the card. (Standard World Elite Mastercard benefit)

Rental Car Collision Damage Waiver
Up to $50,000

Provides secondary coverage for damage or theft of a rental vehicle when the eligible rental is paid for with the card and the rental company's CDW is declined. (Standard World Elite Mastercard benefit)

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
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: To be eligible for the sign-up bonus, applicants typically must not have had this specific card or received a bonus for it within the last 24 months. Application eligibility is subject to Bank of America's '2/3/4 Rule' (no more than 2 new cards in 2 months, 3 in 12 months, or 4 in 24 months across all issuers). Applicants generally need excellent credit (FICO score 740+), sufficient income, and a low number of recent credit inquiries/new accounts. An existing banking relationship with Bank of America may improve approval odds.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bank of America products, cycling credit limits, sudden drastic changes in spending patterns, abuse of return policies, suspected fraudulent activity, or repeated breaches of terms and conditions.

Cliff Effect Rules: Bank of America generally applies a 24-month rule for sign-up bonus eligibility on the *same product*. This means you are typically ineligible for a new bonus if you currently have or have had the 'free-spirit-travel-more-world-elite-mastercard' or received its bonus within the past 24 months. The primary application 'cliff' is the 2/3/4 rule, limiting new card approvals across all issuers.

Special Events: Not applicable as this is not a store-branded credit card.

Holiday Promos: Highly variable and not predictable; typically aligned with major shopping holidays (e.g., Black Friday, Cyber Monday, end-of-year) for general spending bonuses, or specific travel seasons for travel-related offers.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Users appreciate the sign-up bonus for quick miles accumulation, free checked bags, and priority boarding benefits, making travel with Spirit Airlines more convenient and affordable.

Top Negative:
Common complaints include the annual fee outweighing benefits for infrequent travelers, limited redemption options restricted to Spirit Airlines, and the perceived value of Spirit miles compared to other programs.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Bank of America® Travel Rewards credit card
  • Alaska Airlines Visa Signature® credit card
  • AAdvantage® Aviator® Red World Elite Mastercard®

Card Value Score: 70.0 / 100

Est. Annual Rewards: $263.25

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0