For avid travelers and loyal customers of Spirit Airlines, the Free Spirit® Travel More World Elite Mastercard® presents a compelling opportunity to maximize rewards and enhance the travel experience. This co-branded credit card, issued by Bank of America, is designed to cater specifically to those who frequently fly with Spirit, offering a robust suite of benefits that extend far beyond simple air miles. From accelerated earning on everyday purchases to exclusive travel perks and valuable discounts, this card aims to make every Spirit flight more rewarding and every journey more enjoyable.
Key Features and Benefits
The Free Spirit® Travel More World Elite Mastercard® stands out with its array of features tailored for the Spirit Airlines traveler. Understanding these benefits is crucial to leveraging the card effectively.
1. Accelerated Free Spirit® Points Earning
The core of this card’s value proposition lies in its accelerated earning rates. Cardholders can accumulate Free Spirit® points much faster than through flying alone.
- 3X points on eligible Spirit Airlines purchases: This is the flagship earning category, encompassing airfare, baggage fees, seat selection, and other ancillary services purchased directly from Spirit Airlines. For frequent Spirit flyers, this translates into a rapid accumulation of points for future travel.
- 2X points on eligible dining and grocery store purchases: This broadens the earning potential beyond just travel, allowing cardholders to earn bonus points on everyday expenses. Dining includes restaurants, cafes, and fast-food establishments, while grocery stores cover a wide range of food retailers.
- 1X point on all other purchases: For all other expenditures, cardholders still earn a respectable 1 point per dollar spent, ensuring that every purchase contributes to their Free Spirit® balance.
2. 5,000 Bonus Free Spirit® Points Annually
A unique and valuable perk of the Free Spirit® Travel More World Elite Mastercard® is the annual bonus of 5,000 Free Spirit® points. This bonus is awarded after spending $10,000 on purchases within your card membership year. This recurring bonus effectively provides a significant boost to your points balance, making it easier to reach redemption thresholds for free flights or other rewards.
3. Anniversary Companion Voucher
One of the most appealing benefits for those who travel with a companion is the anniversary companion voucher. After spending $10,000 on purchases within your card membership year, cardholders receive a $100 companion travel voucher, valid for a future Spirit Airlines flight. This can significantly reduce the cost of traveling with a friend or family member, making it a valuable addition for couples or families.
4. Status Qualifying Points (SQPs) Earning Towards Elite Status
For those aspiring to achieve or maintain Free Spirit® elite status, this card offers a distinct advantage. Cardholders earn 1 Status Qualifying Point (SQP) for every $10 spent on purchases. SQPs are essential for progressing through the Free Spirit® elite tiers (Silver, Gold, Platinum), which unlock benefits such as priority boarding, free checked bags, and complimentary seat selection. This earning mechanism provides a tangible path to enhanced travel experiences with Spirit.
5. 25% In-Flight Rebate
Enjoy a 25% rebate on in-flight food and beverage purchases when you use your Free Spirit® Travel More World Elite Mastercard®. This benefit adds convenience and savings while you’re airborne, making your journey more comfortable and affordable.
6. No Foreign Transaction Fees
For international travelers, the absence of foreign transaction fees is a significant advantage. Many credit cards charge a 2-3% fee on purchases made outside the United States, which can quickly add up. With no foreign transaction fees, you can use your card confidently for international travel and online purchases from foreign merchants without incurring extra costs.
7. World Elite Mastercard® Benefits
As a World Elite Mastercard®, the Free Spirit® Travel More card comes with a suite of premium benefits that enhance travel and lifestyle:
- Concierge Services: Access to a dedicated concierge service for assistance with travel planning, restaurant reservations, event tickets, and more.
- Travel Accident Insurance: Coverage for accidental death or dismemberment while traveling on a common carrier.
- Baggage Delay Insurance: Reimbursement for essential items if your checked luggage is delayed.
- Trip Cancellation/Interruption Insurance: Coverage for non-refundable travel expenses if your trip is canceled or interrupted due to covered reasons.
- Rental Car Collision Damage Waiver: Secondary coverage for damage or theft of a rental vehicle.
- Purchase Protection: Coverage for eligible new purchases against damage or theft for a certain period.
- Extended Warranty Protection: Extends the manufacturer’s warranty on eligible items.
Redeeming Free Spirit® Points
Free Spirit® points can be redeemed for flights on Spirit Airlines. The value of your points can vary depending on the route, date, and demand. Spirit Airlines uses a dynamic pricing model for redemptions, meaning the number of points required for a flight can fluctuate. However, Spirit often offers appealing redemption rates, especially for off-peak travel or on less popular routes. Points can also be used for ancillary services like baggage and seat selection, providing flexibility in how you use your rewards.
Is the Free Spirit® Travel More World Elite Mastercard® Right for You?
This card is particularly well-suited for:
- Frequent Spirit Airlines flyers: If Spirit is your preferred airline, the accelerated earning rates, SQP accumulation, and flight-specific benefits make this card an ideal choice.
- Those seeking to achieve or maintain Free Spirit® elite status: The ability to earn SQPs through spending provides a direct path to unlocking valuable elite benefits.
- Travelers who value companion travel: The annual companion voucher can significantly reduce the cost of traveling with a partner.
- Individuals who can meet the spending thresholds: To maximize benefits like the annual bonus points and companion voucher, it’s beneficial to be able to spend $10,000 annually on the card.
- Those looking for a no foreign transaction fee card for international travel.
If you rarely fly Spirit Airlines, or prefer to earn transferable points that can be used across multiple airlines, then other travel credit cards might be a better fit.
How to Apply for the Free Spirit® Travel More World Elite Mastercard®
Applying for the Free Spirit® Travel More World Elite Mastercard® is a straightforward process typically completed online through the Bank of America website. Here’s a general guide on how to apply:
1. Check Your Eligibility
Before applying, it’s a good idea to ensure you meet the basic eligibility criteria. Generally, applicants must be:
- At least 18 years old (or 19 in Alabama and Nebraska).
- A U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a good to excellent credit score. While there’s no universally published minimum, a score of 700 or above is generally recommended for World Elite Mastercard® products.
2. Gather Required Information
You will need to provide various personal and financial details during the application process. Have the following information ready:
- Full legal name
- Date of birth
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Current residential address
- Phone number
- Email address
- Employment status
- Annual income (including all sources of income)
- Monthly housing payment (rent or mortgage)
3. Visit the Bank of America Website
Navigate to the official Bank of America website. Look for their credit cards section, and specifically for the Free Spirit® Travel More World Elite Mastercard®. You can often find a direct link on the Spirit Airlines website as well.
4. Start the Online Application
Click on the “Apply Now” or “Apply Online” button associated with the Free Spirit® Travel More World Elite Mastercard®. This will direct you to a secure online application form.
5. Complete the Application Form
Carefully fill out all required fields in the application form. Ensure all information is accurate and matches your official documents. Double-check for any typos or errors, as these can delay the processing of your application.
6. Review and Submit
Before submitting, take a moment to review all the information you’ve provided. Read the terms and conditions carefully, including the interest rates, fees, and other important disclosures. Once you are satisfied, click the “Submit” button.
7. Application Decision
In many cases, you may receive an instant decision on your application. If not, Bank of America will typically inform you that your application is under review and they will notify you of their decision via email or postal mail within a few business days. Sometimes, they may require additional information or verification, in which case they will contact you.
8. Receiving Your Card
If your application is approved, your Free Spirit® Travel More World Elite Mastercard® will be mailed to your residential address, usually within 7-10 business days. Once you receive it, you will need to activate the card before you can start using it. Activation instructions are typically provided with the card.
Important Considerations Before Applying
- Annual Fee: Be aware of the annual fee associated with the card. While the benefits often outweigh the fee for frequent flyers, it’s an important factor to consider.
- Credit Score Impact: Applying for a new credit card involves a hard inquiry on your credit report, which can temporarily lower your credit score. Only apply if you are confident in your creditworthiness.
- Spending Habits: Consider if your spending habits align with the card’s bonus categories to maximize your earning potential.
By understanding the features, benefits, and application process, you can make an informed decision about whether the Free Spirit® Travel More World Elite Mastercard® is the right travel credit card for your needs.
