Spirit Airlines’ New Loyalty Program is Live and Includes New Credit Cards

The Free Spirit program now awards points based on money spent, and you earn points through the new credit cards.
Elina Geller
By Elina Geller 
Edited by Kevin Berry

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Spirit Airlines' new program is now live, and as previously announced, the changes are very customer-friendly. Details of Spirit’s new credit cards were also provided, and for Spirit loyalists, they offer a lot of perks. Here’s what you need to know about the new program.

The new Free Spirit loyalty program

The new program is based on money spent rather than the number of miles flown, and miles (from the old program) will convert to points (in the new program) at a 1:1 ratio.

The shift to a revenue-based program will allow Spirit to reward customers who spend the most with the airline. All the main domestic carriers award status according to this model, and with Spirit aiming to transition from a purely low-cost carrier (not many perks) to one that offers low prices and an appealing loyalty program, the program shift seems natural.

You can earn two types of points: Free Spirit points, which are earned on paid flights that could be used for award bookings and Status Qualifying Points (SQPs), which allow you to earn and keep your elite status.

Redeemable points earned on paid flights

The number of Free Spirit points earned on paid flights depends on your elite status. Free Spirit, Silver and Gold elites accrue points at a rate of 6x, 8x and 10x per $1, respectively. Ancillary purchases, referred to as Á La Smarte options, earn points at double the rate (12x, 16x and 20x). If you frequently spend money on these extras, you’ll pick up some extra Free Spirit points along the way.

Status Qualifying Points (SQPs)

SQPs can be earned in two ways:

  • When you book travel with Spirit, you will earn 1 SQP for each $1 spent on flights, bags, seats and other extras.

  • If you hold the Free Spirit® Travel More World Elite Mastercard®, you will earn 1 SQP for every $10 spent on everyday purchases.

You’ll need to earn 2,000 SQPs and 5,000 SQPs to earn Silver and Gold status, respectively. Although you would need to spend $20,000 or $50,000 on the Free Spirit® Travel More World Elite Mastercard® to earn Silver or Gold status, the ability to achieve status completely from credit card spend alone is a great option for those who will use a card for everyday spending or large purchases.

The math works like this: If you’re purchasing a $250 flight, you will earn 250 SQPs. If you use a Spirit credit card for that purchase, you will earn another 25 SQPs, for a total 275 SQPs. If you hold Gold status, for example, you'll earn 2,500 redeemable points on that flight.

Elite status tiers

Here’s how the three status levels compare:


Free Spirit



Earn points on fares




Earn points on A La Smarte options




How to earn elite status


Attain 2,000 SQPs by spending $2,000 on flights or $20,000 on the Free Spirit® Travel More World Elite Mastercard® (or any combination of the two).

Attain 5,000 SQPs by spending $5,000 on flights or $50,000 on the Free Spirit® Travel More World Elite Mastercard® (or any combination of the two).

Redeem points for flights

Earn and redeem points with partners

Points + Cash redemptions

Participate in points pooling

Host a points pool


Exit row seat assignment


180 min. from departure.

At booking.

Seat selection


At check-in.

At booking.

Shortcut boarding


Shortcut security


Dedicated guest care


Same-day standby


Overweight checked-bag fee waived


Redemption fee waiver


Flight flex



Free drink and snack



First checked bag



Carry-on bag



Points pooling is another neat feature of the program, allowing up to eight friends or family members to combine points for earning and redeeming. Spirit says that redemption fees on award tickets are getting reduced: For awards booked within 28 days of the travel date, there is a $50 redemption fee, but there is no fee for awards booked further out than 28 days.

Redeeming points

Since Spirit is shifting to a revenue-based earning/redeeming structure, the cost of a flight in points will be based on the price of the ticket. However, flights can still be redeemed at the lowest rate of 2,500 points. Starting in March 2021, customers will also be able to use the Points + Cash option to book flights for as low as 1,000 points plus money to cover the remainder of the fare.

Another meaningful benefit of the new program is that points no longer expire as long as you have qualifying earning or redeeming activity in your account in a year. If you hold a Free Spirit credit card, your points will not expire. This is a significant improvement over the punitive prior policy, which used to expire points after three months of inactivity.

The new Free Spirit credit cards

Spirit has unveiled four new co-branded credit cards, two for the U.S. market and two for the Latin American market. Bank of America® continues to be the co-branded partner on the domestic credit cards.

The Free Spirit® Travel Mastercard® is a $0-annual-fee card that has this welcome offer: Online offer: Earn 10,000 Bonus Points after making at least $500 in purchases within the first 90 days of account opening. If you spend at least $10,000 per year, you will earn 5,000 bonus points on each account anniversary. There are also no foreign transaction fees, which is a great perk for a no-annual-fee card. In a nutshell, this is a solid product for someone who is looking to start earning points with Spirit but doesn’t want the commitment of an annual fee. The card is not yet available on Bank of America®’s website, and a definitive timeline was not given for its rollout.

At the next tier is the Free Spirit® Travel More World Elite Mastercard®, which has an annual fee of $0 intro for the first year, then $79. The welcome offer is Earn 50,000 Bonus Points + $100 Flight Voucher after making at least $1,000 in purchases in the first 90 days of account opening. Since flights start at 2,500 points, you could redeem the welcome offer for 16 award flights at the lowest level.

Upon spending $5,000 per year on the card, on each account anniversary you will earn a $100 companion flight voucher essentially erasing the annual fee. This card also earns SQPs, so if you’re looking to earn status based on credit card spend, this is the product you’ll want to go with. Another great benefit is no fees on any award redemptions, which is great if you’d like to book last-minute award tickets. Similar to the no-annual-fee card, this card does not charge foreign transaction fees. Overall, this is a credit card for frequent Spirit flyers who want to maximize the points earned with Spirit and benefit from all the perks.

Here are the rest of the perks offered on the two co-branded credit cards.

Free Spirit® Travel Mastercard®

Free Spirit® Travel More Mastercard®

Point earn rate

2x on Spirit; 1x on everything else.

3x on Spirit; 2x on dining and groceries; 1x on everything else.

Points pooling

Zone 2 shortcut boarding

Yellow Glove Concierge Service

25% in-flight rebate on food and drinks

Points do not expire

Card product

World Mastercard®.

World Elite Mastercard®.

Spirit Saver$ Club

Replacing the $9 Fare Club, the Spirit Saver$ Club is a subscription-based membership that offers perks such as:

  • Discounts on seats including Spirit’s Big Front Seats and exit rows.

  • Exclusive fares.

  • Up to 50% off on bags.

  • Savings on A La Smarte purchases.

  • Offers with select partners ranging from wine memberships to car rentals.

The discount on Big Front Seats is interesting as they are essentially equivalent to domestic first class seats on major U.S. carriers. Big Front Seats have a 36” pitch and 18.5” of width, which is just slightly smaller than Delta’s and United’s first class product but for a much cheaper price. For example, a Big Front Seat purchased in advance ranges from $12 to $150, which isn’t that much to pay for a first class upgrade if your original ticket is already low priced to begin with.

The membership costs $69.95 for 12 months, $99.90 ($5 savings) for 18 months and $129.90 ($10 savings) for 24 months. If you value the perks offered by the Spirit Saver$ Club and often upgrade to the Big Front Seat, the savings could be worthwhile.

The bottom line

It's exciting to see a pivot in Spirit’s loyalty program, which is now more consumer-centric. The airline has come a long way from the Spirit of days’ past. Both credit cards offer solid choices for those who want to earn Spirit points, and the addition of a no-annual-fee, no-transaction-fee credit card is a great way to recruit potential customers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.


Intro offer


Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
NerdWallet Rating
Rewards rate


Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


Intro offer


Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
NerdWallet Rating
Rewards rate


Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.


Intro offer


Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

See more travel cards
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.