Bank of America is no longer accepting applications for the Free Spirit Travel More World Elite Mastercard, so this verdict is mainly for people who already carry it. For Spirit regulars it still pulls its weight: two free checked bags on Spirit flights can cover the $79 annual fee on a single trip, and shortcut boarding plus a 25% rebate on inflight food and drinks smooth out the rest. Earning is modest, with 3 points per dollar on Spirit tickets and inflight purchases only, 2 points on dining and groceries, and 1 point on everything else. The $100 companion voucher requires $5,000 in spend each anniversary year and doesn't cover taxes and fees, so treat it as a bonus rather than a reason to spend. If you rarely fly Spirit, the fee buys you very little and there's no path to reopen the card if you close it.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Spirit Airlines tickets and inflight purchases only | 3x |
Dining | 2x |
Groceries | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Companion flight voucher A $100 companion flight voucher at each account anniversary after spending $5,000 in the prior anniversary year. Taxes and fees are not covered. | $100 |
Inflight rebate A 25% rebate on Spirit inflight food and beverage purchases paid for with the card, posted automatically within about a week. | 25% |
Card details
Foreign transaction fee | None |