Spirit Airlines World Mastercard® review
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
for the first year ($59 thereafter)
15.99% to 23.99%
Purchase APR (variable)
|Product Name||Spirit Airlines World Mastercard®|
|Annual fee||$0 intro annual fee for the first year ($59 thereafter)|
|Purchase APR||15.99% to 23.99% variable|
|Balance transfer APR||15.99% to 23.99% variable|
|Balance transfer fee||$10 or 3% of the transaction, whichever is greater|
|Cash advance rate||18.99% to 26.99% variable|
|Cash advance fee||$10 or 5% of the cash advance amount, whichever is greater|
|Penalty APR||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|
|Additional cardholder fee||$0|
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. 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.
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.
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.
- 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|
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.
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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.
- 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.
What do customers say about the Spirit Airlines World Mastercard®?
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 is accredited by the Better Business Bureau and has an A+ rating from the agency. However, it has 5,900 customer complaints at the time of this writing.
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.
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.
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.