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Spirit Airlines World Mastercard® review

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Select travelers may find an attractive rewards program.

  • Get this card if you often book off-peak Spirit flights.
  • Pick something else if you plan on booking standard Spirit flights.
  • Apply with a good to excellent credit score of 670 or higher.


Miles as welcome offer

Up to 2x



Annual fee

for the first year ($59 thereafter)

15.99% to 23.99%

Purchase APR (variable)


Product NameSpirit Airlines World Mastercard®
Card typeMastercard
Annual fee$0 intro annual fee for the first year ($59 thereafter)
Purchase APR15.99% to 23.99% variable
Balance transfer APR15.99% to 23.99% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate18.99% to 26.99% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $29
Additional cardholder fee$0

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

If you’re thinking about the Spirit Airlines World Mastercard®, consider whether you’ll wait for Spirit’s off-peak fares.

There are a few off-peak periods every year, each one typically lasting about a month. During these times, you might find Spirit flights for as low as 5,000 miles round-trip. These fares are only available to Spirit Airlines World Mastercard® members.

How to apply for the Spirit Airlines World Mastercard®

1. On the Spirit Airlines World Mastercard® website, click Apply now.
2. Complete the application with your personal and financial information.
3. Review your information and submit your application.

Why award redemptions matter

The Spirit Airlines World Mastercard® offers less-than-robust airline perks like other cobranded and travel credit cards. For example, there is no free checked baggage.

That said, the card’s value lies mainly in its ability to get you off-peak fares. If you book these flights, you could enjoy an excellent 4.2% rewards rate on your spending, depending on the fares at the time of booking.

If not, your rewards rate will be just 1.2% on average based on our valuation at the time of writing. Consider another travel credit card, such as a no-annual-fee product that offers flat-rate rewards.

The perks

  • Annual fee: Waived for the first year.
    After that, the card has a $59 annual fee.
  • Signup bonus: 15,000 miles after your first purchase.
    Get an additional 15,000 miles after you make $500 in purchases within the first 90 days of your account opening.You may find better bonuses with other airline cards, but this one is relatively easy to qualify for.

    Spirit reserves special fares for Spirit Airlines World Mastercard® members. You can find one-way, off-peak award flights for as low as 2,500 miles excluding fees and taxes. If you can wait for these fares, your signup bonus can go a long way.

  • Rewards: 2x miles on every purchase.
    The value of these rewards varies greatly based on the timing of your awards flights.

Is the annual fee worth it?

Starting your second card year, the Spirit Airlines World Mastercard® has a $59 annual fee. The card doesn’t include checked baggage, so you’ll need to offset the majority of its fee through rewards.

The break-even point depends on what you redeem your miles for and how often you travel:

  • Using the Zone 2 priority boarding saves $5.99 each way.
  • If you redeem miles for standard fares, expect a value per mile of 0.6 cents.
  • If you’re patient enough to wait for off-peak fares, the value of your miles could shoot to 2.1 cents each.

Here are the miles you’ll need to earn at each rate, and how much you’ll need to spend to earn those miles.

Average value per mile Miles required to break even on annual fee Spend required to break even on annual fee
0.6 cents 9,833 $4,917
2.1 cents 2,810 $1,405

Data obtained March 2019. Values are subject to change and should be used only as a general guide.

You’ll also like …

  • 5,000 anniversary bonus miles each card year you spend at least $10,000 with your card.
    This can be a valuable bonus if you wait for off-peak flights.
  • Zone 2 priority boarding.
    This perk is available on all Spirit flights.
  • No blackout dates for award flights.
    Enjoy unfettered availability when you spend your miles.

What to watch out for

  • Annual fee: $59 starting the second year.
    This fee is lower than that of many other airline credit cards. You’ll commonly find co-branded cards with annual fees of $95.
  • Spirit is an ultra low-cost carrier.
    Spirit is designed to get you from point A to point B — but without traveling in style. Its base fares are often lower than other carriers, and you’ll pay for extras.

    For example, a base fare includes only a personal item like a purse or laptop bag. A larger carry-on will cost you, starting from $30. You’ll also pay a fee for booking a flight online or over the phone, among other potential fees.

  • Miles expire relatively quickly.
    Your miles expire if your account is inactive for three months. Spirit Airlines defines an inactive account as one that doesn’t have any miles credited to it during the previous three months.
  • Penalty APR: 29.99% variable.
    If you make a late payment, Bank of America may apply this APR to all of your balances.

Compare airline credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Delta SkyMiles® Blue American Express Card
10,000 miles after spending $500 in the first 3 months
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.

Compare up to 4 providers

What should I know before I apply?

To apply for the Spirit Airlines World Mastercard®, you must be at least 18 years old. If you’re a permanent resident of Puerto Rico, you must be at least 21 years old.

When you apply, Bank of America may pull your credit report, employment information and other information it deems necessary to review your application.

Required information

  • Full name
  • Residential address
  • Phone number and email address
  • Citizenship status and country of residence
  • Date of birth and Social Security number
  • Employment status, total annual income, source of income and monthly housing payment
  • Optional: FREE SPIRIT member number

What credit score do I need?

There’s no hard cutoff for credit scores. However, you’ll typically have better odds of approval if you have a good to excellent score of 670 or higher.

Spirit Airlines World Mastercard® reviews and complaints

Some customers complain that Spirit miles aren’t worth much. The card’s signup bonus could be valuable if you’re willing to wait for off-peak fares. However, you might have trouble nabbing a round-trip flight on a standard fare.

Many customers warn that you should carefully check the fees you’ll pay when flying Spirit. Before applying for the Spirit Airlines World Mastercard®, consider researching the routes you’ll fly and the fees you might pay.

Bank of America earned a Trustpilot score of 1.3 out of 5 at the time of this writing. Most negative reviews cite unhelpful customer support. Positive reviews often point to the bank’s easy-to-use website.

Bank of America also earns an A+ rating from the Better Business Bureau as of October 2020 and has been accredited since 1949.

I got the card. Now what?

  • Make payments. Register with Bank of America online to make payments toward your account balance at any time.
  • Avoid interest. After each billing cycle, the bank gives you at least 25 grace days to pay off your outstanding balance. Purchases start attracting interest only after this period, assuming you started the billing period with a zero balance.
  • Avoid fees. Late and returned payment fees can serve as considerable setbacks. Cash advances and balance transfers also come with fees.
  • Customer service. Bank of America’s automated assistant Ask Jenn provides live help. You can also call customer support at 800-732-9194. You can also connect through Facebook or Twitter @BankofAmerica.

Bottom line

The Spirit Airlines World Mastercard® can be a strong choice if you’re willing to wait for off-peak fares. In fact, it’s the key to its value. Read more in our guide to the Spirit Airlines rewards program and decide if it fits your travel style.

If you’re looking to travel outside off-peak windows, look for a different travel card. You’ll likely find a product with a better rewards rate.

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