Spirit Airlines World Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 23.99% (Variable)
Balance Transfer
15.99% ‐ 23.99% (Variable)
2 - 5 Miles
Signup Bonus
15000 miles (after spending $500)

Informr score
The Spirit Airlines World Mastercard® currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 9 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...


Overall, the Spirit Airlines World Mastercard is not the most impressive airline credit card. I like that it earns 2X miles on all purchases but those miles are just not very valuable which hurts the value proposition. It’s nice that you have access to cheap or awards but there are other perks that...

- Daniel Gillaspia, UponArriving

The Spirit Airlines World Mastercard offers 2 miles per dollar spent on purchases. It also lets you book off-peak awards, which is key to maximizing your Free Spirit miles and is only available to cardholders with either this card or the Spirit Promerica Mastercard. Add on the 15,000 miles bonus aft...

- Lance Cothern, Investopedia

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

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

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


Interest Rates
Regular APR Interest Rate 15.99% ‐ 23.99% (Variable)

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

Balance Transfer Interest Rate 15.99% ‐ 23.99% (Variable)

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

Cash Advance Interest Rate 18.99% ‐ 26.99% (Variable)

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 $40.00


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.

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
Virtual Cards No
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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