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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Spirit Travel More Mastercard review: Decent perks for Spirit frequent flyers
Christina Ly is a former TPG writer. She covered credit cards and personal finance topics.
March 14, 2025 • 8 min read
ZACH GRIFF/THE POINT SGUY
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Quick summary
A premium airline card aimed at Spirit Airlines loyalists offers perks like priority boarding, a companion voucher and inflight discounts.
Unlike many other airline cards, it does not include free checked or carry-on bags or seat assignments.
Points earned can be pooled with up to eight friends or family members and do not expire while the account is active.
Redemption is limited to Spirit flights, with dynamic award pricing and taxes and fees starting at $5.60 one-way.
What to consider
The annual fee is waived for the first year but applies thereafter.
Companion vouchers require $5,000 in purchases within the prior anniversary year and exclude taxes and fees.
Spirit points are valued at 1.1 cents each as of March 2025 per TPG's valuations.
What you'll miss from the article
A detailed comparison of how this card's perks and limitations stack up against other airline and travel rewards cards.
Generated by AI with support from our editorial team.
Free Spirit Travel More World Elite Mastercard overview
The Free Spirit® Travel More World Elite Mastercard® is the premium card option for earning Spirit points. It offers priority boarding, a companion voucher, a waived annual fee for the first year and many significant perks for frequent Spirit flyers but falls short of the perks you'll find on many other airline cards, such as a free checked bag. Card rating*: ⭐⭐½
* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Spirit Airlines is a budget airline known for affordable fares, and it adopts a no-frills approach to its flights.
Spirit Airlines offers two credit cards: the Free Spirit® Travel Mastercard® and the Free Spirit Travel More World Elite Mastercard, both issued by Bank of America. The Spirit Travel More card is the carrier’s more premium option with higher earning rates, a larger welcome bonus and an annual fee of $79 (which is waived for the first year).
Unlike many other cobranded airline cards, the Travel More card does not offer perks such as free checked (or carry-on) bags, nor does it get you free seat reservations. Even when factoring in Spirit’s budget travel mentality, the Travel More card can seem lackluster.
But with limited spots in your wallet, it might be best to hold off on adding this card for now.
The information for the Free Spirit Travel Mastercard and Free Spirit Travel More World Elite Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Free Spirit Travel More Mastercard pros and cons
Pros
Cons
Companion voucher
Discount on inflight purchases
No foreign transaction fees
Priority boarding
Annual fee after year one
Lackluster earning rates
No free checked bag
No seat assignments
Free Spirit Travel More Mastercard welcome offer
The Spirit Travel More Mastercard currently offers new cardmembers a welcome offer of 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.
THE POINTS GUY
TPG’s March 2025 valuations peg Spirit points at 1.1 cents each, making this welcome bonus worth roughly $550. And if we take the companion voucher at face value, the total welcome offer is worth up to $650.
Unlike most airline cards, the Travel More card does not offer a free checked (or carry-on) bag.
SUMMER HULL/THE POINTS GUY
However, it does include benefits like:
$100 companion flight voucher: When you make $5,000 in purchases within the prior anniversary year, you’ll receive a $100 companion flight voucher upon renewal of your card. This voucher can be used as a discount on companion airfare (excluding taxes and fees).
Points pooling: As the primary cardholder, Spirit lets you combine Free Spirit points with up to eight friends and family members.
25% rebate on inflight purchases
Group 2 boarding: On all flights, you’ll board in Group 2 — only behind passengers who have purchased a carry-on.
No foreign transaction fees
Waived annual fee for the first year: The card’s $79 annual fee is waived for the first year.
Based on TPG’s March 2025 valuations, this means that you can get an effective return of 3.3% on eligible Spirit flights and inflight purchases, 2.2% on dining and grocery store purchases, and 1.1% on all other purchases.
Free Spirit points also do not expire as long as your card account is active.
These earning rates are acceptable for those looking to bank Spirit points, but they don't hold a candle to what you could earn with our other favorite travel rewards cards and many other airline cards.
Redeeming points on the Free Spirit Travel More Mastercard
The best way to redeem Free Spirit points is to book award flights on Spirit Airlines. Spirit has no airline partners, so your points can only be redeemed on Spirit flights. Since Spirit uses a dynamic award pricing system, redemption rates can vary but typically start at 2,500 Free Spirit points. Taxes and fees for award flights start at $5.60 one-way.
Since Spirit Airlines has limited routes and frequencies, flyers from the carrier’s major airports — including Fort Lauderdale-Hollywood International Airport (FLL), Orlando International Airport (MCO), Harry Reid International Airport (LAS) and Los Angeles International Airport (LAX) — are more likely to find nonstop flights. However, the point-to-point network means that there may be routings that work for you.
SPIRIT AIRLINES
In one example, a flight from Los Angeles to Los Cabos, Mexico, can be bought for 5,000 Free Spirit points and $164.44 in fees ($50 of which is the redemption fee since this flight is less than 28 days away).
Which cards compete with the Free Spirit Travel More Mastercard?
If you are not a Spirit Airlines loyalist, there are travel credit cards that may be a better fit for your wallet than the Free Spirit Travel More World Elite Mastercard.
If you prefer no annual fee: The Free Spirit® Travel Mastercard® has no annual fee and earns 2 points per dollar on all Spirit purchases and 1 point on everything else. It also comes with 5,000 bonus miles every account anniversary if you spend $10,000 or more the year prior.
If you prefer Chase: The (see rates and fees) has a $95 annual fee and earns bonus points across multiple popular bonus categories. These points can be transferred to Chase's 14 partners for outsize value. To learn more, information, read our full review of the Chase Sapphire Preferred.
If you prefer Capital One: The Capital One Venture Rewards Credit Card has an $95 annual fee and earns 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel and 2 miles per dollar spent on all purchases. These points can be transferred to Capital One's 15-plus transfer partners for excellent value. To learn more, read our full review of the Capital One Venture Rewards Credit Card.
Is the Free Spirit Travel More Mastercard worth it?
For travelers wanting a little more freedom with their flights and points or those who rarely fly Spirit Airlines, the card likely will not be a good fit. Most of the Spirit Travel More credit card’s perks are tailored for frequent Spirit flyers.
If Spirit is your airline of choice, the Travel More card certainly offers attractive perks and benefits, but if not, you might be better suited for another card.
The Free Spirit Travel More World Elite Mastercard is Spirit’s higher-end credit card, and while it may be a great option for frequent Spirit flyers, it is not a good fit for most.
Free Spirit points are not transferable, and despite being a cobranded airline card, the Travel More card does not offer flyers a free checked (or carry-on) bag for cardholders.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
