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An economical card well-suited to travelers to Central America or the Caribbean, the Free Spirit® Travel More World Elite Mastercard® offers some unique and money-saving perks to offset its low rewards rates and high APR.
Quick Review
The Free Spirit® Travel More World Elite Mastercard® is a convenient travel card for people who regularly fly from coast to coast or between the US, Caribbean, and Central or upper South America. However, it’s worth noting that Spirit Airlines doesn’t fly to every US state or Canada.
This card’s $0 annual fee for your first year is an enticing welcome offer, and the $79 annual fee afterward still makes this card cheaper than some other travel rewards cards. Its rewards rates are average compared to cards for either travel or everyday spending: you get 3 points per dollar on eligible Spirit Airlines purchases, 2 points on dining and grocery shopping, and 1 point per dollar on everything else.
However, this card offers the unique ability to pool points with up to eight other Free Spirit rewards program members. Any member in a pool can add or redeem points from the pool, making this card especially valuable if your friends and family also travel with Spirit Airlines or have their own Free Spirit® Travel More World Elite Mastercards®.
A few other benefits sweeten the deal. Each year, you’ll earn a $100 Companion Flight Voucher to offset the cost of a guest’s fare, which is a great benefit if you travel with your spouse or partner. You also save 25% on in-flight food and drink purchases and get Zone 2 shortcut boarding for you and everyone on your reservation.
All that being said, this card’s 18.99%–26.99% (variable) APR on purchases and balance transfers, paired with the 29.99% penalty APR, can seriously punish missed payments and carried-over balances.
If you and your friends or family frequently fly with Spirit Airlines, either alone or together, the Free Spirit® Travel More World Elite Mastercard® benefits may be well worth that APR and annual fee.
Pros & Cons
Free Spirit® Travel More World Elite Mastercard® Important Details
Basic Card Details
- Credit card issuer: Bank of America
- Annual fee: $0 for first year, $79 afterward
- Purchase APR: 18.99%–26.99% (variable)
- Rewards rate: 1%–3%
- Welcome bonus: 60,000 points and a $100 Companion Flight Voucher
- Grace period: 25 days after end of billing cycle
Additional Information
- Earn a $100 Companion Flight Voucher each year
- Pool your Free Spirit rewards points with up to eight other people
- 25% rebate on in-flight dining purchases
- As the primary cardholder, you won’t need to pay redemption fees when you redeem points for Spirit Airlines tickets
- Zone 2 shortcut boarding for you and everyone on your reservation
- $0 liability for fraudulent charges made to your card
- Get overdraft protection with Balance Connect by linking your card to your Bank of America checking account
- Free monthly FICO Score checks through the Bank of America mobile app
Free Spirit® Travel More World Elite Mastercard® Feature Breakdown
Fees
- Annual fee: $0 for first year, $79 afterward
- Wire transfer purchase fee: $10 or 5% of amount transferred (whichever is greater)
- Balance transfer fee: $10 or 3% of amount transferred (whichever is greater)
- Cash advance fee: $10 or 3%–5% of advance amount, depending on method and whichever is greater
- Direct deposit and check cash advance fee: $10 or 3% of advance amount (whichever is greater)
- ATM, over-the-counter, same-day online, and cash equivalent cash advance fee: $10 or 5% of advance amount (whichever is greater)
- Foreign transaction fee: None
- Late payment fee: Up to $40
Interest Rates
- Purchase APR: 18.99%–26.99% (variable)
- Balance transfer APR: 18.99%–26.99% (variable)
- Direct deposit and check cash advance APR: 21.24%–29.24% (variable)
- Bank cash advance APR: 29.24% (variable)
- Penalty APR: 29.99% (variable)
Rewards
The Free Spirit® Travel More World Elite Mastercard® lets you earn unlimited Free Spirit points in three categories:
- 3 points per dollar on eligible Spirit Airlines purchases
- 2 points per dollar at grocery stores and on dining purchases
- 1 point per dollar on all other eligible purchases
Your card will be automatically enrolled in the Free Spirit Dining Rewards program when you open your account, which lets you earn 1 point for every $2 spent at participating restaurants. You’ll also earn 1 Status Qualifying Point (SQP) towards your Free Spirit status for every $10 in net purchases you make with your card.
Eligible Spirit purchases for the 3% category include the following:
- Tickets
- In-flight food, beverages, and Wi-Fi
- Hotels, car rentals, and vacation packages booked through Spirit Airlines directly
Qualifying businesses in the dining and grocery category include:
- Fast food joints
- Bars
- Supermarkets
- Candy stores
- Bakeries
- Other businesses
Notably excluded from this category are:
- Wholesale clubs (like Costco or Sam’s Club)
- Superstores
- Drugstores
- Convenience stores
You can redeem your points for airfare purchased from Spirit Airlines or for purchases or vouchers from Spirit Airlines partners through the Spirit Online Mall. Partners include a variety of clothing retailers, home improvement stores, hotel and rental car companies, and more.
For airfare, minimum redemption is 2,500 points if you pay exclusively with points, and at least 1,000 points when you use both points and cash. Your points won’t expire for as long as your Free Spirit® Travel More World Elite Mastercard® account is open.
Welcome Bonus
As a welcome offer, you can earn 60,000 bonus points and a $100 Companion Flight Voucher when you spend at least $1,000 in your first 90 days. Flight vouchers can be applied to the cost of a guest’s ticket (excluding taxes and fees).
Cash Advances
You can take out cash advances with your Free Spirit® Travel More World Elite Mastercard®. Your fees and APR will depend on what method you use to take out your cash advance.
For cash advances taken out with a check or direct deposit, you’ll pay a fee of either $10 or 3% of your cash advance (whichever is greater) and face a variable 21.24%–29.24% APR.
For bank cash advances (ATM, over-the-counter, same-day online, or cash equivalent cash advances), you’ll pay a fee of either $10 or 5% of your cash advance, whichever is greater. These types of cash advances are subject to 29.24% APR (variable).
Balance Transfers
You can transfer your balance from another credit card to your Free Spirit® Travel More World Elite Mastercard®. Balance transfers are subject to a variable 18.99%–26.99% (variable) APR and a fee of either $10 or 3% of the balance amount transferred (whichever is greater).
Authorized Users
You can add authorized users to your Free Spirit® Travel More World Elite Mastercard® account. However, certain benefits only apply to the primary cardholder.
Travel Benefits
The Free Spirit® Travel More World Elite Mastercard® offers some major travel benefits when you fly with Spirit Airlines:
- Annual $100 Companion Flight Voucher: Earn a $100 Companion Flight Voucher on your account anniversary if you spend at least $5,000 each year. Any vouchers you receive must be used within 12 months or they will expire.
- Point Pooling: You can assign yourself as a Pool Pilot, allowing you and up to eight other members of the Free Spirit rewards program to pool your points together and redeem points from the pool for eligible purchases.
- 25% Rebate on In-Flight Dining: You’ll receive statement credits equal to 25% of your in-flight purchases of food and beverages.
- Redemption Fee Waiver: As the primary cardholder, you won’t need to pay any redemption fees for points you redeem for flights so long as you redeem points from your own account and your name is on the booking. A $50 redemption fee is typically applied per passenger on flights booked within 28 days of departure.
- Zone 2 shortcut boarding: You and everyone on your reservation receive Zone 2 shortcut boarding.
Other Benefits
As a Bank of America card, the Free Spirit® Travel More World Elite Mastercard® also features a few other benefits:
- No liability for fraudulent transactions made with your card.
- Overdraft protection for your Bank of America checking account when you link it to your card through Balance Connect. Once linked, you will automatically take out a cash advance to cover any overdrafts.
- Free monthly FICO Score checks from TransUnion when you sign up through the Bank of America mobile app.
Credit Reporting
Your payment activity with your Free Spirit® Travel More World Elite Mastercard® will be reported to TransUnion, Equifax, and Experian, as Bank of America reports monthly to credit bureaus.
Customer Service
If you have questions about your Free Spirit® Travel More World Elite Mastercard®, you can contact Bank of America customer service by phone at (800) 732-9194.
You can also contact them by mail at the following addresses:
For credit card payments:
Bank of America
PO Box 15019
Wilmington, DE 19886-5019
For application status inquiries:
Bank of America
PO Box 2493
Norfolk, VA 23501-2493
For credit card billing inquiries:
Bank of America
PO Box 982234
El Paso, TX 79998-2234
You can also contact the Free Spirit program customer services by phone at (888) 561-0613 or by mail at the following address:
Card Services
PO Box 84064
Columbus GA 31908
Should You Get the Free Spirit® Travel More World Elite Mastercard®?
FinanceJar verdict
The Free Spirit® Travel More World Elite Mastercard® is a worthwhile travel card if you fly with Spirit Airlines frequently. The ability to pool points makes this card especially useful if you want to help your friends or family who are Free Spirit program members save money on flights.
If you aren’t a diehard Spirit Airlines customer and want a lower annual fee or higher rewards rates, you may want to consider a card from another airline that flies to the same destinations or a non-airline rewards card that earns you more points on everyday purchases.
Who is this card for?
- Free Spirit rewards program members: If you or your friends/family members regularly fly with Spirit Airlines, you’ll appreciate the in-flight dining rebate, Zone 2 boarding, and the ability to pool points. You can also increase your Free Spirit status by earning Status Qualifying Points on your purchases.
- Couples who travel: If you travel with a spouse or other companion, the yearly Companion Flight Voucher helps you reduce the cost of flying together, and you can both board earlier with Zone 2 priority boarding.
Comparable Cards
Here’s how the Free Spirit® Travel More World Elite Mastercard® shapes up against some similar travel cards.
