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Spirit Airlines World Mastercard Review

overall rating

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The Spirit Airlines World Mastercard offers a one-time offer of up to 30,000 bonus miles if you make $500 in purchases within the first 90 days of account opening. It also offers 2 miles per dollar on purchases, access to off-peak award flights, zone 2 priority boarding, and an opportunity to earn anniversary miles.

Spirit Airlines World MasterCard®

Overall Rating
Spirit Airlines World MasterCard®
On Bank of America's Secured Site.
Current Offer

15,000 bonus miles after your first purchase + 15,000 bonus miles after making at least $500 in purchases within 90 days of your account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 23.99% variable
Annual Fee $0 Introductory Fee for the first year. After that, $59.
Rewards Earning Rate Earn double miles on your everyday purchases – that's 2 miles for every $1.
Balance Transfer Fee Either $10 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Spirit Airlines World Mastercard is not one of our top-rated airline credit cards. You can review our list of the best airline credit cards for what we think are better options.

Full Review of Spirit Airlines World Mastercard

  • Access to off-peak award flights

  • Bonus with a small spending requirement

  • Zone 2 priority boarding

  • Can earn anniversary bonus miles

  • Award flights can require paying many fees

  • Miles only good for use on Spirit Airlines

  • Annual fee applies after the first year

Pros Explained

  • Access to Off-Peak Award Flights: Spirit Airlines offers four levels of award flights to its Free Spirit rewards members. However, only Spirit Airlines World Mastercard or Spirit Promerica Mastercard cardholders have access to off-peak awards with the lowest miles redemption requirements. Without one of these credit cards, you cannot use this award class, which starts at 2,500 miles for a one-way flight during off-peak periods.
  • Bonus with a Small Spending Requirement: This card has a two-part bonus. Both parts are relatively easy to earn, unlike some other cards with $3,000 or $5,000 minimum spending requirements. You can earn the first 15,000 bonus miles after making your first purchase. The second part of the bonus offers an additional 15,000 bonus miles for spending $500 on purchases within the first 90 days of your account opening.
  • Zone 2 Priority Boarding: Get priority boarding by using your Spirit Airlines World Mastercard to purchase your tickets directly from Spirit Airlines or by showing your card to the gate agent when you board.
  • Can Earn Anniversary Bonus Miles: You can earn 5,000 anniversary bonus miles when you spend at least $10,000 in net purchases annually. Net purchases are defined as purchases less returns, credits, and adjustments, and annually is based on the cardholder’s anniversary date. While this bonus isn't extremely lucrative, it can help justify part of the $59 annual fee charged in year two and beyond.

Cons Explained

  • Award Flights can Require Paying Many Fees: Spirit Airlines is known for charging plenty of fees, and that includes its rewards program. To avoid fees while booking award flights, you’ll need to book at least 181 days in advance and book your award flights online. As with most award flights on other airlines, you’re still responsible for the taxes and fees portion of the flight. Any additional services also have to be purchased separately.
  • Miles Only Good for Use on Spirit Airlines: As far as award flights go, you can use your miles only for Spirit Airlines flights. Unlike many other airlines, Spirit does not have airline partners that will accept its miles.
  • Annual Fee Applies After the First Year: This card offers a $0 introductory annual fee for the first year. After that, the annual fee rises to $59. While this card does offer some unique benefits, you'll have to determine whether they’re worth paying the annual fee after the first year.

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler

The Spirit Airlines World Mastercard is ideal for people who often travel on Spirit Airlines and want to maximize their Free Spirit rewards to get the cheapest award flights possible. The card gives you access to off-peak awards, which are Spirit Airlines' lowest award flight redemption tier. These award flights start at 2,500 miles for a one-way ticket. The zone 2 priority boarding, 5,000 anniversary bonus miles for spending $10,000 in purchases annually, and the introductory $0 annual fee ($59 in subsequent years) could make this an attractive card for frequent Spirit Airlines fliers.

Spirit Airlines World Mastercard Bonus

This card offers a two-part bonus. You can earn 15,000 bonus miles after your first purchase. Then, you can earn an additional 15,000 bonus miles after making at least $500 in purchases within the first 90 days of your account opening. 

Based on our valuation, each part of this bonus is worth $105, for a total bonus value of $210. That’s a substantial bonus for the small spending requirement.

This bonus miles offer applies only to new accounts and not to requests to convert existing accounts to this card. The bonus miles may take up to eight weeks to post to the account.

Rewards Earning Details

Earning rewards on the Spirit Airlines World Mastercard is about as straightforward as possible. You earn 2 miles per dollar spent on net purchases. This is in line with other rewards credit cards, although other cards may offer similar value without charging an annual fee in year two and beyond. 

You do have to make sure you use your rewards and don’t allow the miles you earn to expire. Unfortunately, the Free Spirit rewards program has a relatively strict miles expiration policy. Miles expire when an account becomes inactive for a period of three months or more, which is an extremely short time frame. While there are no blackout dates on award tickets, all award tickets are subject to award seat availability.

Rewards Redemption Details

Spirit Airlines is known for having a bare-bones flight experience. That carries over to their miles redemption options, as well. Award tickets only include a flight reservation. Additional services that you’d typically pay extra for on Spirit Airlines are not included. You must also pay any applicable taxes and fees.

Depending on when you book your award ticket, you may have to pay a nonrefundable per-guest award redemption fee. The fee is $15 for award tickets requested between 21 and 180 days prior to departure, $50 for award tickets requested between seven and 20 days prior to departure, and $75 for award tickets requested six days or less before departure. You can avoid this fee by booking at least 181 days prior to departure.

If you book your award through Spirit's reservations department, there is an additional $25 per person agent transaction charge. You can avoid this fee by booking online. Changes and cancellations aren’t allowed within 24 hours of departure. Prior to that, you can pay $110 per passenger for modifications or cancel your flight and have your miles redeposited for a $110 fee.

One nice benefit of having this card is you get access to off-peak awards. Off-peak awards are not available without this card or the Spirit Promerica Mastercard. To book these awards, you must pay the award redemption fee with your card. Examples of off-peak dates include Sept. 9, 2020 to Oct. 6, 2020 and Nov. 4, 2020 to Nov. 18, 2020. 

Off-peak award flights start at 2,500 miles, with taxes and fees from $6 each way. Without off-peak awards, the cheapest option is a standard 10,000 miles award flight in region 1. Other redemptions include peak and premium as well as regions 2 through 4. For a full list of off-peak and other award category dates, as well as the miles needed based on region and award type, see this award chart.

In addition to redeeming your miles for an award ticket, you can redeem miles for magazine subscriptions.

How to Maximize Your Rewards

Maximizing rewards with the Spirit Airlines World Mastercard is mainly a matter of getting the best redemption value for your miles. Since you earn 2 miles per dollar on all purchases, the only way to earn more miles is to spend more money. You can also make sure you collect the full bonus.

To minimize fees when booking award flights, try to book online and at least 181 days prior to departure. Next, focus on flying during off-peak periods to minimize the number of miles required for each flight.

Average Case

Say you want to fly from Nashville to Fort Lauderdale. If you book at least 181 days in advance and find off-peak flight times that work with your schedule, a round trip award would cost you 5,000 miles, plus $26.20 in taxes and fees.

The same flight paid for in cash, using the standard fare, would cost $74.60. This results in a value of roughly 0.97 cents per mile, after accounting for the taxes and fees on the rewards flight.

Aspirational Case

As an example of truly maximizing the value of your miles, suppose you want to fly from Orlando to San Juan, Puerto Rico. To get the most value, you’d fly using off-peak awards and book far enough in advance to avoid the award redemption fees. 

By doing that, you could get a round trip flight for 5,000 miles plus $26.20 in taxes and fees. The same flight would otherwise cost $171.38 in cash, including taxes and fees, based on a standard fare. This results in a per-mile valuation of roughly 2.9 cents per mile.

Spirit Airlines World Mastercard's Outstanding Benefits

  • Zone 2 priority boarding

Standard Benefits

  • $0 liability for fraudulent transactions
  • Automatic enrollment in Free Spirit Dining Rewards program, with 1 mile per $2 spent at participating restaurants
  • Other World Mastercard benefits as detailed in your new account materials

Cardholder Experience

Bank of America scored 798 out of 1,000 in J.D. Power's 2019 U.S. Credit Card Satisfaction Study, 8 points below the national issuer average of 806. 

If you have questions or need help with your account, you can get in touch with customer support by calling the number on the back of your card or 800-732-9194. Bank of America also offers online and mobile banking for managing your credit card account.

Security Features

The security features for this card are fairly standard for the industry. It does allow for chip and PIN purchases, which provides enhanced security and can be useful if you travel internationally.  

Like many other cards, this card also offers access to your FICO credit score, updated on a monthly basis, so you can keep an eye on your credit.  

Fees to Watch Out For

This card waives its $59 annual fee only for the first year. While earning 2 miles per dollar is nice, you can earn similarly valued rewards with cards that don’t charge an annual fee on an ongoing basis. The other fees are fairly standard, except that this card does charge a variable penalty APR of up to 29.99% that will apply to new purchases if you make a late payment. Many other rewards credit cards do not have penalty APRs. On the plus side, this card does not charge a foreign transaction fee.

Our Verdict

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 after your first purchase and the additional 15,000 bonus miles after spending $500 in purchases within the first three months of account opening and this card can provide you with a fair value. 

Unfortunately, you can book award flights only on Spirit Airlines, and its additional fees can get excessive if you don’t book online or far enough in advance. If you're looking for more flexibility and lower fees, you may want to consider another airline's credit card or a general travel rewards card that lets you redeem your rewards in many different ways.

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For Spirit Airlines World MasterCard®
on Bank of America's Secured Site.
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Spirit Airlines World MasterCard®
overall rating
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 23.99% variable
Annual Fee $0 Introductory Fee for the first year. After that, $59.
Rewards Earning Rate Earn double miles on your everyday purchases – that's 2 miles for every $1.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.