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Free Spirit® Travel More World Elite Mastercard® review

Earn extra points on Spirit Airlines purchases, groceries and dining.

Get this card if you often fly with Spirit Airlines.

Pick something else if you don’t want to be bound to a single airline.

Apply with a good credit score of 670 or higher for best chances of approval.

No reviews yet. Write a review

Kliment Dukovski

Last Updated Jan 29, 2021

40,000

Points as welcome offer

Up to 3x

Points

Annual fee

for the first year ($79 thereafter)

15.99% to 23.99%

Purchase APR (variable)

Annual fee	$0 intro annual fee for the first year ($79 thereafter)
Welcome offer	40,000 bonus points and a $100 companion flight voucher after you spend $1,000 in your first 90 days
Rewards	3x points on Spirit purchases, 2x points on grocery store and dining purchases, and 1x points on all other purchases
Purchase APR	15.99% to 23.99% variable
Balance transfer APR	15.99% to 23.99% variable
Minimum Credit Score	670
Issuer	Mastercard

Cash advance rate	18.99% to 26.99% variable
Cash advance fee	$10 or 3% of the cash advance amount, whichever is greater
Penalty APR	Up to 29.99% variable
Foreign transaction fee	None
Interest free period	Up to 25 days
Late payment fee	Up to $40
Returned payment fee	Up to $29
Security deposit	N/A
Minimum Interest	$1.50

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Free Spirit® Travel More World Elite Mastercard® is the Spirit Airlines’ cobranded card with Bank of America. As a cardmember, you get to earn 3x points on Spirit purchases — which go on top of the points you already earn as a member of the program — and 2x points on groceries and dining, which is similar to what other airline cards offer. There’s also a generous signup bonus and an annual $100 companion flight voucher if you spend at least $5,000 in the previous year.

The card also comes with an intro $0 annual fee for the first year, but then you’ll have to pay $79 every year after that. This can be easily offset with the $100 companion flight voucher. There’s also airline-specific benefits like priority boarding and a 25% rebate on in-flight food and beverage purchases.

On the downside, you don’t get a free-checked-bag perk, which is a bummer. Other airline cards that cost around $90 usually come with at least a first checked-bag-free perk. Considering first checked bags can cost up to $67 per person per one-way trip on Spirit Airlines, this is a huge drawback.

While this card isn’t perfect, it can save Spirit flyers some money on flight-related purchases and even help you earn award flights and companion flight vouchers.

How to apply for the Free Spirit® Travel More World Elite Mastercard®

Applying for the card is simple. Here’s how to do it:

Visit the Bank of America website.
Find the Free Spirit® Travel More World Elite Mastercard®.
Click Apply now.
Fill out the application form with information such as your name, address, Social Security number and income.
Review the form and submit it.

What credit score do I need?

Increase your chances of approval with a good credit score of 670 or higher.

Free Spirit® Travel More World Elite Mastercard® benefits

Rewards points. Earn 3x points on Spirit purchases, 2x points on grocery store and dining purchases, and 1x points on all other purchases. The 3x points go on top of the 6x points you earn on Spirit fares as a member of the program and the 12x points on options like seats and bags. You can boost this even further by reaching elite status: Silver members earn an additional 8x on fares and 16x on options, while Gold members earn 10x points on fares and 20x points on options.
Signup bonus. Earn 40,000 bonus points and a $100 companion flight voucher after you spend $1,000 in your first 90 days when you open your account.
Anniversary bonus. Earn a $100 companion flight voucher every year on your card anniversary after you spend at least $5,000 in the prior year.
Spirit Airlines perks. Get Zone 2 shortcut boarding on all Spirit Airlines flights — savings of at least $5.99 per person — plus a 25% rebate on all inflight food and beverage purchases paid with your Free Spirit® Travel More World Elite Mastercard®.

What to watch out for

Annual fee. For the first year, you get an intro $0 annual fee. After that, you’ll pay $79 annually.
No free checked bags. Competitor airline cards that cost around $90 typically offer a first-checked-bag free perk. Unfortunately, you won’t get to save money on checked luggage with this card.

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Delta SkyMiles® Gold American Express Card	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on other eligible purchases	15.74% to 24.74% variable	$0 intro annual fee for the first year ($99 thereafter)	Apply now View details	Earn 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first 3 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®	2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases	15.99% to 24.99% variable	$0 intro annual fee for the first year ($99 thereafter)	Apply now View details	Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.	Compare	loading Fetching your data...
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®	2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases	15.99% to 24.99% variable	$0 intro annual fee for the first year ($99 thereafter)	Apply now View details	65,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.	Compare	loading Fetching your data...

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Bottom line

The Free Spirit® Travel More World Elite Mastercard® is designed to help you quickly rack up reward points and save you money on some Spirit Airlines purchases. But it costs $79 annually after the first year of card membership. If this card isn’t right for you, compare other airline credit cards.

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