Spirit Airlines Credit Card ReviewsReviews, rates, fees and rewards details for the Spirit Airlines Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubHigh rewards rate50,000 points + $100 Flight Voucher initial rewards bonusNo membership fees first yearNo foreign feeMembership fees in the second yearNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Spirit Airlines Credit Card is a decent option for Free Spirit rewards program members, offering modest rewards and the chance to earn a $100 credit each year. The Spirit Airlines Card requires good credit or better, however, and charges a $79 annual fee from the second year on. When compared to the best airline and travel rewards credit cards on the market, the Spirit Card simply doesn’t measure up.Info about the Free Spirit Airlines Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
369 reviewsRead and write reviews
Editor’s Review
2.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Airline Rewards” for this card.
Fees
4.2
Rewards
3.8
Cost
4.1
Other Features
0.0
3.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0 intro 1st yr, $79 after
APR on Purchases
20.24% - 28.24% (V)
Balance Transfer
APR: 20.24% - 28.24% (V)
Balance Transfer Fee:4%
Rewards
Earn 50,000 bonus points plus a $100 Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.
Earn 3 points per $1 spent on eligible Spirit purchases; 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases.
Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.
No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.
Redeem points for flights and other select options with Spirit partners.
Reach Free Spirit Status by earning 1 SQP for each $10 in net purchases toward Free Spirit Status.
Free Spirit Airlines Credit Card's Additional Info
The Spirit Airlines Credit Card is a decent option for Free Spirit rewards program members, offering modest rewards and the chance to earn a $100 credit each year. The Spirit Airlines Card requires good credit or better, however, and charges a $79 annual fee from the second year on. When compared to the best airline and travel rewards credit cards on the market, the Spirit Card simply doesn’t measure up.
Spirit Airlines Credit Card Review Highlights
Decent rewards bonus. You’ll earn 50,000 bonus points after spending $1,000 in the first 90 days after account opening, plus a $100 Companion Flight Voucher. Each point is worth $0.0112 on average, according to WalletHub research. So this bonus is worth $560 or so.
That’s a pretty good deal compared to what people with good or excellent credit can get from the market’s best travel rewards credit cards. So this initial bonus is definitely a reason to apply for the Spirit Credit Card.
Below-average ongoing rewards. You’ll earn 3 points / $1 spent on Spirit purchases, 2 points / $1 on dining and grocery store purchases, and 1 point / $1 spent on all other purchases made with the Free Spirit Airlines Credit Card. That might sound pretty good, but Spirit miles are worth less than the penny-plus apiece you’ll get from most competitors.
Other perks. Spending $5,000 in a year will get you a $100 Companion Flight Voucher after each account anniversary. You also have zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases.
$79 annual fee, starting year two. Annual fees aren’t uncommon on travel rewards credit cards. But you have to view the amount charged in terms of what you’ll get back. And the Free Spirit Card doesn’t give you enough for the money. Its annual fee is waived for the first year, thankfully. But it costs around 4 times as much as the average credit card each year thereafter, according to WalletHub’s latest Credit Card Landscape Report. You can get a lot more while spending a lot less.
Not the card for carrying a balance. The Spirit Airlines Credit Card doesn’t offer a 0% introductory APR. Its regular rate is likely to be above the average for people who can qualify. And it could be significantly higher, depending on where your credit currently stands. So while we don’t recommend applying for the Spirit Card anyway, you definitely don’t want to do so if you aren’t going to pay your bill in full every month.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.3
User Reviews
3.2
Market Comparison
3.9
fees: 4.2
rewards: 3.8
cost: 4.1
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.9
Market Comparison
4.2
fees: 5.0
rewards: 3.4
cost: 4.7
Other Features: 0.0
(369)
(3,514)
(425)
annual fee$0 intro 1st yr, $79 after
annual fee$95
annual fee$0
rewards rate 1 - 3 points / $1
rewards rate 1 - 5 points / $1
rewards rate 1.5 miles / $1
bonus offer50,000 points + $100 Flight Voucher
bonus offer 60,000 points
bonus offerNone
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
Can't find what you are looking for? Submit your question about Free Spirit Airlines Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can log in to your Free Spirit Airlines Credit Card account by going to the login page on the Bank of America website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign in” to access your online account.
How to Register for Online Access on your Free Spirit Airlines Credit Card Account
Register your Free Spirit Airlines Credit Card for online account access. Click “Enroll” and enter the last 6 digits of your card or your account number and your Social Security number or Tax ID Number to verify your credit card account.
Choose your Free Spirit Airlines Credit Card username and password. The username must be between 6 and 32 characters, including special characters, but no spaces. The password must contain 8 to 20 characters and have at least one uppercase letter, one lowercase letter, and one number. You cannot repeat the same number or letter more than 3 times in a row. The password is not case sensitive and may contain special characters.
Log in with your new Free Spirit Airlines Credit Card credentials. From the login page on the Bank of America website or its mobile app for iOS or Android, fill out the Online ID and Passcode fields using your new credentials, and click “Sign in” to access your account.
After you have signed up and logged in, you'll be able to manage your Free Spirit Airlines Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot ID/Passcode?” on the Bank of America login page. Then, follow the prompts to reset or retrieve your username or password.
The only way to get pre-approved for the Free Spirit Airlines Credit Card is by receiving an offer to apply, in the mail. The issuer does not offer pre-approval for this card through its website.
Keep in mind that the Free Spirit Airlines Credit Card requires at least good credit for approval. If you don't know where you stand, you can check your credit score for free on WalletHub.
Ultimately, you can use WalletHub's CardAdvisor tool to help you find the right credit card for you....
The Free Spirit Airlines Credit Card credit score requirement is 750 or better. This means that you need at least good credit to get approved for this credit card.
Your credit score won't be the only factor taken into consideration, though. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
Since all these criteria are taken into consideration, you might be able to get...
To cancel a Free Spirit Airlines Credit Card, call customer service at 800-732-9194 and ask a customer service rep to cancel your card account. Cardholders can also cancel an account in person at a Bank of America branch, or by mail.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit...
You'll need to have good credit to qualify for this card. And the issuer will also look at factors like your income, debts, or payment history to decide if you're eligible for a new account.
Try calling the card's customer service number (800-732-9194). Free baggage fees are not listed among the offer's benefits on Bank of America's website or in the terms and conditions.
Unfortunately not. You will have to redeem your points before closing the account in order to avoid forfeiting what you've earned. Best of luck! Please let us know if you have any more questions.
Share your insights and review for the Free Spirit Airlines Credit Card
5
14%
4
40%
3
21%
2
8%
1
17%
3.2
369 reviews
369 reviews
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Cynthia Russe @cmrusse
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1 Star Rating
WARNING! Free Spirit World Elite Mastercard: Both Bank of America and Spirit have conducted misleading practices with their credit card. I do not recommend that you apply for this card. Do not do it. Your points are not supposed to expire. We had 60,000 points and were waiting for an opportune time to travel with our children. However, when the opportunity arose, we were unable to take advantage because they had eliminated our travel points. Now, all we are left with are broken dreams and the frustration of being unable to fulfill our wish to see our family. That was the reason we saved the points, which were supposedly non-expiring. Bank of America and Spirit have both acted irresponsibly, treating their customers unfairly. I do not recommend them; please do not fall victim to their deceit.
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1
0
blalysilla @blalysilla
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1 Star Rating
i have been a member for a few years now, and i have not received any type of discounts from spirit, I continue paying the regular rate on tickets and regular price on every suit cases yet they are requesting for me to pay $79 annual fee just to have the master card.
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0
0
Dan @spies797
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1 Star Rating
Verified Customer
They are supposed to give you a $100 flight voucher with this credit card. It is absolutely worthless. There are tons of blackout dates. You cannot use flight points and the voucher at the same time, you have to pay with cash. Also, it’s only for the base fare. Your flight could be $150 but the base fare could be $70. You cannot use the flight voucher for any taxes or fees. You are only getting value on that $70. This is a waste of time on a credit card
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1
0
david_garzon98 @david_garzon98
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1 Star Rating
Horrible application process - I have multiple products with Bank of America and decided to apply for this card as I needed to buy airline tickets where spirit was the best option. My application was queued for review as apparently they thought someone was trying to steal my identity. When I called the Bank of America customer service line, they told me to go to a BofA branch with two documents as proof of identity. The branch agents had no idea that the spirit card was a BofA product and I lost a good amount of time while they figured it out. Then they told me that they couldn't take the proof of identity and that I had to wait for a letter in the mail. A few days later, no one has reached out to me. Very poor operational and customer service processes. I'm no longer interested in the card and they probably affected my credit score with the hard pull
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2
0
mwolford98 @mwolford98
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1 Star Rating
Verified Customer
Tried to use card today. New card zero balance - card declined to purchase tires well within credit limit. Was declined and after 38 minute hold to get an explanation, ‘unauthorized use a car repair center!. That’s absurd having a card with unknown restrictive places for usage!
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1
0
Scott @newspapernmore
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5 Star Rating
Excellent credit card would like a higher limit and possible other credit card from this bank easy app to pay my credit card also
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0
0
Selena Buckner @selenabuckner
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1 Star Rating
My longest standing credit card. The line has never increased from $1100 and Ive had it for years. My other credit lines range from $3000-$5000. I've never missed a payment on this card in the years I've had it. Have hardly ever gone over 30% usage. Now, 4 or 5 years later, I am late on ONE payment because I forget to set autopay after paying before due date over minimum for many years. They call. I apologize, pay for missed payment and next payment, set up auto pay, and they reduced my line to $600. How insulting. Because I was unknowingly late on a card that I've had excellent payment history on for years. If them not raising my limit wasn't bad enough, this drastic reduction of my limit for a late payment was simply insulting. Its a worthless card. Can't even use Spirit in this part of Florida. Delta offered me a card. I'm sure they'll have more class lol
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0
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tonymannino @tonymannino
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1 Star Rating
I have at least a dozen credit cards and this card, by far, is the worst of them. The website is the most confusing I've ever seen and I've been in IT for over 40 years. I pay ALL of my bills, including ALL of my credit cards, through my bank Savings account. But not this one: Customer Service insists that I can only pay through my Checking account. That is not optimal for me since I have to remember to transfer the money every month before it is withdrawn; way too much work!
And, so far, they haven't been able to help me set up with AutoPay, which would help to make this a little easier.
Suffice to say that I am cancelling this credit card as soon as I use up the reward points.
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0
0
Julie Navaroli @Randypaulgwin
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1 Star Rating
I just had the worst customer service ever. I was on the phone for an hour just trying to get someone to help me log into my spirit account. I have had the CC for some time now and noone seems to know how to help. I am very disapponinted.
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0
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_440_ @_440_
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1 Star Rating
IT IS A SCAM... I booked a flight on the Spirit site and at point of sale a $100 voucher popped up, if I filled out a Bank Of America Application. No where were any terms except that I would owe an annual fee when the card renewed... I booked the first and second flight and got the bill.. no credit... then I look on the spirit airlines site and click apply and there you can see crazy terms... make $1000 in purchases and book within the first 90 days... BUT INFO WAS NOT AVAILABLE AT POINT OF SALE. Tryed to dispute with Bank of America and they said I was out of luck... BANK OF AMERICA FIRED and my impressions of value airlines took a hit, two notches down from next to nothing!
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: JetBlue Plus Card, Free Spirit Airlines Credit Card, and State Farm Bank Good Neighbor Visa® Credit Card
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2024 WalletHub Awards
Free Spirit Airlines Credit Card is an Editor's Pick for: