Spirit Travel More Card Review: Some Useful Perks for Loyal Flyers
The Bottom Line
3.4
The card is aimed at frequent Spirit flyers who don't mind redeeming rewards solely with the airline — but given Spirit's limited footprint, that won't be possible for everyone.
Rates, fees and offers
Rates, fees and offers
Annual fee
$0 intro for the first year, then $79
Rewards rate
1x-3x
Bonus offer
Earn 60,000 Bonus Points + a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
Intro APR
N/A
Ongoing APR
APR: 18.99%-26.99% Variable APR
Cash Advance APR: See Terms
Penalty APR: 29.99%, Variable
Balance transfer fee
4% of the amount of each transaction.
Foreign transaction fee
None
More details from Bank of America
More details from Bank of America
- Limited-Time Online Offer! Earn 50,000 Bonus Points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
- Earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and grocery store purchases; and 1 point per dollar spent on all other purchases.
- Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year.
- Group 2 Priority Boarding on all flights.
- No limit to the points you can earn and no points expiration as long as your card account is open.
- Get a 25% rebate on all inflight food and beverage purchases when you pay with your new card.
- No foreign transaction fees and a low $0 introductory annual fee for the first year. After that it's just $79.
Detailed Review
If you fly Spirit Airlines frequently — which you might do if you enjoy the no-frills, low-cost carrier and live near one of the destinations in the U.S., Latin America and the Caribbean it services — then you might be interested in the Free Spirit® Travel More World Elite Mastercard®, which comes with an annual fee of $0 intro for the first year, then $79.
In exchange for that fee, the Bank of America®-issued card offers a fair amount of value, in the form of broad ongoing rewards and sought-after airline benefits like companion flight vouchers, priority boarding and rebates on in-flight dining.
And as with most airline cards, your reward redemption options will be limited, so if you’re not a regular Spirit flyer, consider a more flexible general travel rewards credit card instead.
For U.S. applicants, Spirit also offers the similarly named Free Spirit® Travel Mastercard®, which has an annual fee of $0 but features less robust rewards and perks. To see how the two cards stack up, jump to our comparison table below.
Free Spirit® Travel More World Elite Mastercard®: Key Features
Card type: Airline.
Annual fee: $0 intro for the first year, then $79.
Sign-up bonus: Earn 60,000 Bonus Points + a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
Rewards:
3 points per $1 spent on eligible Spirit purchases.
2 points per $1 spent on eligible dining and grocery store purchases.
1 point per $1 spent on all other purchases.
1 SQP, or Status Qualifying Point, for every $10 spent on everyday purchases.
Points can be redeemed for Spirit flights and sometimes for eligible Spirit partner products or services. Points don’t expire as long as your credit card account remains open, so there’s no pressure to book travel within a certain time frame.
APR: 20.24%-28.24%, Variable APR.
Foreign transaction fee: None.
Balance transfer fee: 3% of the amount of each transaction.
Other benefits:
Annual $100 Companion Flight Voucher each account anniversary after spending at least $5,000 the previous year.
Two free checked bags for the primary cardholder.
Group 2 Priority Boarding on all flights.
25% rebate on in-flight food and beverage purchases.
Earn points toward Free Spirit Status: Cardholders earn 1 Status Qualifying Point for each $10 spent on your card.
Points pooling with up to eight friends and family members.
How the Free Spirit® Travel More World Elite Mastercard® compares with the Free Spirit® Travel Mastercard®
If you're opposed to paying an annual fee, the Free Spirit® Travel More World Elite Mastercard® has a $0-annual-fee sibling, called the Free Spirit® Travel Mastercard®. And it offers a surprising amount of perks for a no-annual-fee travel card.
But it won't get you free checked bags. Also, it earns a lower rewards rate on purchases, including Spirit purchases.
Here's a look at how the two cards stack up:
| Empty Table Header | Free Spirit® Travel Mastercard® | Free Spirit® Travel More Mastercard® |
|---|---|---|
Annual fee | $0. | $0 intro for the first year, then $79. |
Rewards rate | 2x on Spirit; 1x on everything else. | 3x on Spirit; 2x on dining and groceries; 1x on everything else. |
Sign-up bonus | Online offer: Earn 10,000 Bonus Points after making at least $500 in purchases within the first 90 days of account opening. | Earn 60,000 Bonus Points + a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening. |
APR | 20.24%-28.24%, Variable APR. | 20.24%-28.24%, Variable APR. |
Group 2 priority boarding | ✓ | ✓ |
Free checked bags | ✓ | |
25% in-flight rebate on food and drinks | ✓ | ✓ |
Points pooling | ✓ | ✓ |
Spirit also offers a separate portfolio of credit cards exclusively for customers in certain Latin American countries.
Compare to Other Cards
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Benefits and Perks
Bonus rewards for non-Spirit spending
Some airline cards earn bonus rewards only for purchases made with their brand. But with the Free Spirit® Travel More World Elite Mastercard®, holders earn extra on more than just travel-related spending, including two of the "biggies." In addition to earning 3 points per $1 for Spirit purchases, you’ll earn 2 points per $1 spent on eligible dining and grocery store purchases (and 1 point per $1 spent on all other purchases).
Valuable sign-up bonus
The card features the following limited-time offer for newcomers who apply online: Earn 60,000 Bonus Points + a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
With redemptions starting at 2,500 points, this bonus can take you far.
Note that you can also qualify for a $100 companion voucher annually if you make at least $5,000 in purchases on the card within the previous year, which can offset the card's annual fee after the first year.
Free checked bags
As of September 2025, the primary cardholder gets two free checked bags. Bags can weigh up to 50 pounds each.
Other airline cards offer travel companions booked on the same reservation a free checked bag as well, but the Free Spirit® Travel More World Elite Mastercard® limits this benefit. So if you’re bringing one other person along, check their bag in your name.
» MORE: 7 tips to save on baggage fees
Earn status by spending
The Free Spirit® Travel More World Elite Mastercard® earns 1 Status Qualifying Point for every $10 spent with the card. SQPs are separate from rewards points you'd use to book flights, and they can get you closer to Free Spirit Silver and Gold status: You’ll need 2,000 SQPs to earn Silver status and 5,000 SQPs to earn Gold status. Those levels come with perks like elevated points earning, seat selection at booking, free in-flight snacks and more.
» LEARN MORE: Your guide to elite status on Spirit Airlines
No redemption fees
Spirit is a low-fare carrier. But like many such airlines, it makes up for those low fares by charging you other fees, including a fee for redeeming points for an award flight. However, if you have the Free Spirit® Travel More World Elite Mastercard®, this fee is waived.
Drawbacks and Considerations
Small airline footprint
Spirit is a budget airline with a relatively small presence, compared with larger airlines like American, Delta or United. It doesn't serve every airport, nor does it fly everywhere.
If you don't live near a Spirit hub or your travel plans include, say, Europe, then the Free Spirit® Travel More World Elite Mastercard® will be of very little use to you.
In August 2025, Spirit Airlines filed for bankruptcy. As part of its cost-cutting efforts, the airline will eliminate some routes, reduce its fleet of planes and furlough one-third of its flight attendants. While Spirit has remained in operation following a bankruptcy filing before, this is the second time it has filed in less than a year.
Poor flexibility
As with other co-branded airline cards, you're pretty much limited to redeeming points for airfare with Spirit Airlines, which as noted above may not benefit you much depending on where you live and where you want to go. Similarly, many of the perks that come with the Free Spirit® Travel More World Elite Mastercard® — like the companion flight voucher or the ability to earn Free Spirit status — are all tied to the airline. General travel rewards credit cards can offer more flexibility in terms of benefits as well as points earning and redemption.
A popular choice is the Chase Sapphire Preferred® Card, which earns rewards that can be redeemed for a number of options, including for travel booked through Chase. Points can also be transferred at a 1:1 ratio to domestic and international airline and hotel travel partners like British Airways, JetBlue, United, Southwest, Hyatt, Marriott and more. The card charges an annual fee of $95.
For more alternatives, see NerdWallet's list of best credit card offers.
How To Decide If It's Right For You
The Free Spirit® Travel More World Elite Mastercard® can be a valuable option for frequent Spirit consumers. You’ll earn bonus points for some general everyday spending, as well as airline-specific benefits like in-flight savings, priority boarding and a companion voucher that can offset the annual fee.
But if you're not loyal to Spirit or any other specific airline, a broader and more flexible travel card will be more suitable.
Earn bonus rewards in a variety of popular spending categories like dining and groceries. Points can take on higher value when redeemed for travel through Chase, or they can be transferred, at a 1:1 ratio, to a number of domestic and international airline and hotel partners. The card charges an annual fee of $95.
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Methodology
NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.
About the author
Funto Omojola
Lead Writer & Content Strategist
