Spirit Airlines World Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 25.24%
Balance Transfer
17.24% ‐ 25.24%
Rewards
2 - 5 Miles
Signup Bonus
15000 miles (after spending $500)


6.9/10
Informr score
The Spirit Airlines World Mastercard® currently has an Informr score of 6.9 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Spirit Airlines World Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


LendEDU

While it does have a low introductory annual fee, the Spirit Airlines Mastercard is best only for those who seek out budget airlines or who like to fly with Spirit. It is easy to get the sign-up bonus if you don’t have much money to spend, but the points are generally harder to redeem.

- Shannon Serpette, LendEDU
CreditCards.com

Value conscious travelers who live near a Spirit Airlines will appreciate this budget card’s unusually generous rewards rate, which offers 2 points for every dollar spent on any purchase; but cardholders who want more flexibility may be turned off by Spirit Airlines’ hidden fees and restrictive rule...

- Andy Shuman, CreditCards.com
ValuePenguin

Due to the low value of Spirit Airlines miles, there isn't a whole lot of value one can extract from the Spirit Airline credit card.

- Robert Harrow, ValuePenguin
Finder

If you enjoy flying with the low-cost Spirit Airlines, the Spirit Airlines World Mastercard could help you accumulate miles toward flights and more. If you’re looking for flexibility in redeeming your rewards, consider another travel card.

- Finder
Credit Fast

The Bank of America Spirit Mastercard is a great card for frequent travelers. You may want an additional card to make purchases while you travel due to the foreign transaction fee.

- Monica Kowollik, Credit Fast

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 20.24% ‐ 27.24%

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 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 15000 miles after spending $500

- On purchases within the first 3 months.

- Also, earn 15,000 bonus miles after your first purchase.

Rewards
All Purchases 2 miles for $1 spent
Restaurants 5 miles for $1 spent

At participating restaurants.

Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5,000 anniversary bonus miles when you spend at least $10,000 in purchases annually.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


LendEDU

A good option for families who want to fly affordably

from LendEDU

While it does have a low introductory annual fee, the Spirit Airlines Mastercard is best only for those who seek out budget airlines or who like to fly with Spirit. It is easy to get the sign-up bonus if you don’t have much money to spend, but the points are generally harder to redeem.

Read full review

While it does have a low introductory annual fee, the Spirit Airlines Mastercard is best only for those who seek out budget airlines or who like to fly with Spirit. It is easy to get the sign-up bonus if you don’t have much money to spend, but the points are generally harder to redeem.

Read full review

Less

CreditCards.com

Perfectly reflects the general product it’s promoting

from CreditCards.com

Value conscious travelers who live near a Spirit Airlines will appreciate this budget card’s unusually generous rewards rate, which offers 2 points for every dollar spent on any purchase; but cardholders who want more flexibility may be turned off by Spirit Airlines’ hidden fees and restrictive rules on redemption.

Read full review

Value conscious travelers who live near a Spirit Airlines will appreciate this budget card’s unusually generous rewards rate, which offers 2 points for every dollar spent on any purchase; but cardholders who want more flexibility may be turned off by Spirit Airlines’ hidden fees and restrictive rules on redemption.

Read full review

Less

ValuePenguin

A subpar deal

from ValuePenguin

Due to the low value of Spirit Airlines miles, there isn't a whole lot of value one can extract from the Spirit Airline credit card.

Read full review

Due to the low value of Spirit Airlines miles, there isn't a whole lot of value one can extract from the Spirit Airline credit card.

Read full review

Less

Finder

Can quickly help you rack up miles

If you enjoy flying with the low-cost Spirit Airlines, the Spirit Airlines World Mastercard could help you accumulate miles toward flights and more. If you’re looking for flexibility in redeeming your rewards, consider another travel card.

Read full review

If you enjoy flying with the low-cost Spirit Airlines, the Spirit Airlines World Mastercard could help you accumulate miles toward flights and more. If you’re looking for flexibility in redeeming your rewards, consider another travel card.

Read full review

Less

Credit Fast

A good card because it allows you to easily earn free flights

from Credit Fast

The Bank of America Spirit Mastercard is a great card for frequent travelers. You may want an additional card to make purchases while you travel due to the foreign transaction fee.

Read full review

The Bank of America Spirit Mastercard is a great card for frequent travelers. You may want an additional card to make purchases while you travel due to the foreign transaction fee.

Read full review

Less

Wise Bread

Can save frequent flyers a great deal of money

from Wise Bread

If you travel Spirit Airlines frequently and don't mind flying with the basics or putting in a little work to find the best fares and award tickets, you can likely save quite a bit of money with the Spirit Airlines MasterCard.

Read full review

If you travel Spirit Airlines frequently and don't mind flying with the basics or putting in a little work to find the best fares and award tickets, you can likely save quite a bit of money with the Spirit Airlines MasterCard.

Read full review

Less

RewardExpert

With the card, you just have to make one purchase a month to save your miles

from RewardExpert

If you live in an area served by Spirit and you don’t mind flying with a low-cost airline, this could be the rewards card for you. You’ll get a decent sign-up bonus, an anniversary bonus and a generous two points per dollar for every purchase.

Read full review

If you live in an area served by Spirit and you don’t mind flying with a low-cost airline, this could be the rewards card for you. You’ll get a decent sign-up bonus, an anniversary bonus and a generous two points per dollar for every purchase.

Read full review

Less

User Reviews


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