Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- William Charles, Doctor Of CreditObviously Spirit isn’t worth it for everybody, but they often offer a lot of easy free mile opportunities and by having the credit card you get access to their off peak awards which start at only 2,500 miles.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.49% ‐ 24.49% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.49% ‐ 24.49% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
25.74% This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee |
$59.00 Waived on the first year. |
| Balance Transfer Fee |
4% Minimum of $10 |
| Cash Advance Fee |
4% Minimum of $10 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$49.00 Maximum |
| Promotions | |
| Sign up bonus |
Earn 15,000 bonus miles after the first purchase. |
| Rewards | |
| All Purchases | 2 miles for $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Earn an extra 5,000 miles each year when you spend more than $10,000 in purchases annually. |
| Features & Benefits | |
| Additional Card Holders |
$20 per card |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | Yes |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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