Spirit Airlines Credit Card

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Annual Fee

$79, waived first year

Typical Signup Offer

40,000 Spirit Points plus a $100 companion flight voucher ($1,000 minimum spend)

($400 net value)

Bonus Categories

3x Spirit Purchases

2x Restaurants

2x Groceries

1x everywhere else

No Foreign Transaction Fee


If you fly on Spirit Airlines, this card provides a solid signup bonus and some nice benefits. If you fly on Spirit very frequently, it may be worth putting a bunch of spending on the card to help you reach higher-level status.'

Introduction to Spirit Points

Spirit's frequent flyer program is called Free Spirit. It was substantially changed in early 2021.

  • Points are worth 1 to 1.5 cents towards flights. There is no award chart, the pricing for each flight is dynamic and tied to the cash ticket price. This is similar to Southwest and JetBlue except Spirit's pricing is more variable relative to the cash price.
  • Cash and points redemptions allow you to use as little as 1,000 points for a discount off your ticket price.
  • Combined with the lack of a need to find award space, this makes it very easy to use your points.
  • Miles expire if you go twelve months without any account activity. Spirit's draconian 3 month expiration policy is now gone. And as long as you have the credit card, your points won't expire.

Collecting the Signup Bonus

  • It may be worth getting this card just to collect the signup bonus.. If you fly on Spirit, the 40,000 points should be worth at least $400 and probably more. That's pretty good, but not as good as Bank of America's best cards.
  • It is possible to earn the same signup bonus multiple times. Bank of America doesn't limit your ability to earn multiple signup bonuses. You can even have more than one copy of the same card at the same time. However, you will only be approved for four Bank of America cards every two years (with a maximum of three cards in any twelve month period, and two cards in any two month period), so choose your opportunities wisely.

Notable Benefits

  • $100 Companion Voucher every year you spend $5,000. This is a $100 discount of the cost of a 2nd ticket. The opportunity cost of spending $5,000 on the Spirit Card instead of on one of the best general-purpose cards is around $50. So if you are likely to use the certificate, it is worth spending just enough to earn it.
  • Waived redemption fees. While the old program had onerous redemption fees, the new program only charges a fee if it is within 28 days of departure. If you have the credit card, you can avoid this $50 fee on last-minute redemptions.
  • Preferred boarding. You can board in "Zone 2". Although this isn't as valuable on Spirit as it is on other airlines because fewer people are carrying-on bags due to the high fees.
  • Earn status qualifying points. You'll earn 1 status point for every $10 in purchases. Silver status requires 2,000 points and provides some nice benefits such as free seat selection at check-in and access to exit seats 3 hours before departure. Gold status requires 5,000 points.
  • 25% rebate on inflight food and beverages.
  • Other points benefits. As long as you have the card, your points won't expire. And cardholders can set up point pooling to redeem points from multiple accounts.
  • Access to Mastercard luxury hotel program. When you book at one of the participating hotels, you'll get an number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks
  • Free ShopRunner membership. Like all World Elite Mastercards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner
  • DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase.
  • Free museum entry. As with all Bank of America credit cards, you'll get free admission to hundreds of museums on the first weekend of every month. Admission is for the cardholder only. Guests are not included, nor are any special exhibitions and other ticketed shows. Museums on Us.
  • BankAmeriDeals. Bank of America has a shopping discount program that works like Amex Offers. To get each discount, you'll need to "activate" it through their website. Once activated, discounts are automatically applied when you use your card for the corresponding purchase. Most deals are cash-back based (typically 10%). BankAmeriDeals.

The no-annual-fee version provides 5,000 bonus points every year you spend $10,000 (a terrible deal) instead of the $100 companion voucher and doesn't provide the useful redemption fee waiver or the ability to earn elite qualifying points.

Bonus Categories

Other than potentially trying to spend $5,000 to earn the $100 companion discount, you should use this card for spending. Other cards provide better reward rates (even on purchases from Spirit itself).

Getting Rid of the Card

  • You can cancel without worrying about losing your Spirit miles. Once you earn them, they are treated like any other miles in your Spirit Airlines account.
  • If you cancel your card, you may not be able to easily get it back. Bank of America limits your ability to get more than 4 cards every 24 months and 3 cards every 12 months. And you can't get one of their cards if you've gotten more than 3 personal credit cards from any bank in the last 12 months (7 cards for BOA banking customers). If you are signing up for bunch of new credit cards, you won't be able to get new Bank of America cards.
  • If you decide to cancel, you may want to change to the Cash Rewards Card instead. The Cash Rewards Card earns a base rate of 3% on your choice of categories, including online shopping. With Platinum Honors status, the reward rate is boosted to 5.25%. Since bonus rewards are capped for each quarter, it can be helpful to have multiple copies of the card. But the only way to currently get multiple copies is to convert from other Bank of America cards.
  • If you want to cancel your Spirit Airlines Card, it is best to do so before you are charged your annual fee. Bank of America may refund the fee if you cancel shortly afterwards, but they may not.
  • You might be able to receive a retention offer to keep your card. It could be enough to make it worthwhile to keep the card.

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