Spirit Airlines Free Spirit® Travel More World Elite Mastercard®
Basic Information
Program ID: free-spirit-travel-more-world-elite-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:29
Last Scraped: 01/15/2026 17:31
Fee Structure
| Annual Fee: | $89.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-11.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus miles are typically awarded within 8-12 weeks after meeting the spending requirement, though they often post sooner.
Rewards Program
Reward Type: Free Spirit Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Spirit Purchases, 2x Dining, 2x Grocery Stores
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the card account is open and in good standing.
Transfer Partners: N/A (Points are directly with Spirit Airlines)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Welcome Bonus Eligibility: New cardmembers are typically eligible for a welcome bonus if they have not received a bonus for this specific 'free-spirit-travel-more-world-elite-mastercard' product in the last 24 months. Application Eligibility: Applicants must generally possess excellent credit (FICO score 740+), demonstrate a stable income, and maintain a low debt-to-income ratio. Bank of America's internal application velocity rules, commonly known as the '2/3/4 Rule', are strictly enforced for 2026: applicants are generally limited to 2 new Bank of America credit cards in the past 2 months, 3 new Bank of America credit cards in the past 12 months, and 4 new Bank of America credit cards in the past 24 months. Other internal velocity rules, such as total credit exposure limits, may also apply based on the applicant's overall relationship with Bank of America.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Bank of America accounts, rapid succession of applications (even if within 2/3/4, if deemed suspicious), abuse of return policies or chargebacks, lack of organic spend after meeting welcome bonus, suspicious or fraudulent activity, low deposit relationship with the bank despite high credit limits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Great card for Spirit flyers, offers good rewards, free checked bag, and priority boarding, making travel more enjoyable and affordable.
Top Negative Feedback:
High annual fee, limited benefits outside of Spirit Airlines, and some users find the rewards structure complex or less valuable compared to other travel cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Bank of America® Travel Rewards credit card
- Bank of America® Customized Cash Rewards credit card
- Bank of America® Premium Rewards® credit card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $450.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 70% General / 30% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: 2024-01-01