Free Spirit Travel Mastercard – Full Review

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

Free Spirit Travel Mastercard – Full Review

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

"Great for Spirit flyers without an annual fee!"

The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.

Learn More (at Bank of America's secure site)

The information regarding the Free Spirit® Travel Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Spirit flyers are used to receiving little to no benefits on their flights. After all, the carrier requires you to pay for carry-on baggage, seat selection, beverages, and just about everything else.

While this is the price you pay for low-cost fares, the experience can be frustrating at times. Fortunately, having the Free Spirit® Travel Mastercard® can help elevate your Spirit flight experience thanks to the numerous benefits that the card offers.


  • 2x points per $1 on Spirit purchases
  • 1x point per $1 on all other purchases
  • Get a 25% rebate on all inflight food and beverage purchases
  • Automatic Zone 2 Shortcut boarding on all flights
  • Access to Points Pooling
  • Receive 5,000 bonus points each anniversary after making at least $10,000 in purchases within the prior anniversary year
  • Points don’t expire
  • No foreign transaction fees
  • No annual fee


  • No bonus categories outside of Spirit purchases
  • Does not earn transferable rewards

Free Spirit Card - Snapshot

The Ideal Cardholder

The Free Spirit card is tailored towards those who fly with Spirit often enough to take advantage of the benefits the card provides, and those who want to earn more Free Spirit points on their flights and everyday spending, but don’t want to pay a credit card annual fee.

Priority Boarding

Cardholders automatically receive Zone 2 priority boarding on all Spirit flights. This will allow you to get to your seat sooner and settle in, as opposed to other travelers who are 3 groups behind in general boarding.

Points Pooling

One of the most convenient benefits of the card is the ability to combine your points with up to 8 friends and family members. This allows you to earn free flights faster and is a great option for traveling families that always have multiple passengers on the same booking.

Without the credit card, you would need to qualify for Free Spirit Silver or Gold status in order to access Points Pooling, but Free Spirit cardmembers get it as a benefit of card membership.

Anniversary Bonus Points

When you spend at least $10,000 in purchases within the prior cardmember year, you’ll earn 5,000 bonus points, on top of the points you’ll have earned from the spend. Since we value Free Spirit points at 1.1 cents per point, these 5,000 points are like receiving $55 towards a Spirit flight.

While you probably shouldn’t go out of your way to spend that much on the Free Spirit card just to earn the 5,000 point bonus, it is a nice perk for those who can meet that level of spend.

Inflight Discount

When paying with your card, you’ll get a 25% rebate on all inflight food and beverage purchases. You might be used to skipping beverage and snack service on Spirit flights in order to save some cash, but now you can treat yourself on your flights and get a discount!

Points Never Expire

One common complaint about the Free Spirit program is that points expire every 12 months. But you don’t need to worry about that with the Free Spirit card, because as long as you hold the card, your Free Spirit points will never expire!

Great Card If

  • You fly with Spirit often and want to receive more benefits on these flights
  • You want a card with no annual fee

Don't Get If

  • You want a card that earns transferable rewards
  • You hardly ever fly with Spirit

Free Spirit Card - Fees

  • Foreign Transaction Fees
  • Interest Rates
    • 15.99% to 23.99% variable
  • Late fees
    • Up to $40
    • Penalty APR: 29.99% variable
  • Balance Transfers
    • 15.99% to 23.99% variable
    • Fee: Either $10 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR
    • 18.99% to 26.99% variable

How To Earn More Free Spirit Points

Spirit bag drop
Image Credit: Spirit

Spirit Flights

The obvious way to earn as many Free Spirit points as possible is to use your Free Spirit card to purchase all of your flights with Spirit to earn 2x points per $1.

Without the card, you’d usually earn 6x points per $1 with Spirit. But paying with your card boosts your point earnings by 33% up to 8x points per $1.

All Other Purchases

The Free Spirit card doesn’t offer any other bonus categories. But you’ll still earn 1x point per $1 on all other purchases outside of Spirit flights.

However, you might want to consider opting for another no annual fee card that offers a better return on these purchases, like the Citi® Double Cash Card.

Free Spirit Shopping Portal

The Free Spirit Online Mall is Spirit’s shopping portal that allows you to earn additional Free Spirit points just for clicking through the portal before doing your online shopping. Spirit’s portal offers hundred of different merchants to shop through, allowing you to really rack up the extra points.

Free Spirit Dining Program

Through the Free Spirit Dining program, you can earn extra Free Spirit points every time you dine at a participating restaurant.

First, you need to enroll in the program and link your credit card. Then, each time you dining at a restaurant that participates in the program, and pay with your linked card, you’ll earn Free Spirit points!

Basic members will earn 1x point per $2 spent, Select members earn 3x points per $1 spent (this tier only requires opting into email communications to qualify), and top-tier VIP members will earn 5x points per $1 spent (you’ll reach this after 11 qualifying transactions in a calendar year).

Hot Tip: Have a look at some of the other best ways for you to earn Free Spirit points!

How To Use Free Spirit Points for Max Value

Spirit Airlines aircraft on tarmac
Image Credit: Spirit

Spirit Award Flights

Your best option when it comes to redeeming your Free Spirit points is towards Spirit award tickets. Award tickets with Spirit start at 2,500 points and increase from there based on the cost of the ticket.

With Spirit, you’ll virtually always get somewhere between 1 and 1.1 cents per point in value on award redemption. So if the flight you are trying to purchase costs $100, you’ll need around 10,000 Free Spirit points in order to book the award ticket.

Hot Tip: Keep in mind that on flights booked within 28 days of the departure date, Spirit charges an award redemption fee of $50. So you’ll want to make sure you book well in advance, as booking last minute and paying this fee will significantly drop the overall value of your award redemption.

Spirit Points + Cash Tickets

Don’t have enough points for a Spirit award? Spirit offers a Points + Cash booking option that allows you to reduce the overall cash cost of your fare, starting with as little as 1,000 points.

While you usually won’t get quite as much value as you would by waiting to redeem for a full award ticket, this can still be a decent option at times for those who don’t early Free Spirit points very quickly but still want a discounted flight.

Alternative Cards to the Free Spirit Card

Free Spirit® Travel More World Elite Mastercard®

If you’re a dedicated Spirit Airlines flyer, then the Free Spirit World Elite card will be a much better fit for you. Not only does it earn 3x points per $1 on Spirit purchases, and 2x points per $1 on dining and grocery store purchases, but the card also offers way more benefits to Spirit flyers.

Benefits include no award redemptions fees, 1 SQP for each $10 in net purchases toward Free Spirit status, and a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases. Keep in mind that the card does charge a $79 annual fee, though.

Chase Sapphire Preferred® Card

If you’re serious about earning points and miles and fly with multiple airlines, then you need a card that earns transferable rewards — like the Chase Sapphire Preferred card.

With it, you’ll earn 5x points per $1 on travel purchased through the Chase Ultimate Rewards portal, 3x points per $1 on dining, online grocery store, and select streaming service purchases, plus 2x on all other travel purchases.

The card also offers perks like a DoorDash DashPass, a $50 annual hotel statement credit, travel delay insurance, baggage insurance, rental car insurance, and much more!

The information regarding the Free Spirit® Travel More World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently asked questions

What are the benefits of the Free Spirit card?

The Free Spirit card offers perks like priority boarding, Points Pooling, a 25% discount on inflight purchases, and no foreign transaction fees, and it keeps your Free Spirit points from expiring!

Which Spirit credit card is best?

Quite a handful of the benefits of the 2 cards overlap, but the Free Spirit World Elite card offers better rewards, no fees on award redemptions, and the ability to help spend your way towards Spirit elite status. However, the Free Spirit World Elite card charges a $79 annual fee, while the Free Spirit card charges $0 annual fee.

So, if you’re someone who flys with Spirit quite often, the Free Spirit World Elite card might be more worthwhile to you. But if you’re just looking for a way to earn Free Spirit points without paying an annual fee, then the Free Spirit card is the best bet.

Is the Free Spirit card a good card?

Yes, the Free Spirit card is a great option for those who fly with Spirit often enough to take advantage of the card’s benefits like priority boarding, Points Pooling, and inflight food and beverage discounts.

Does the Free Spirit card charge an annual fee?

No, the Free Spirit card does not charge an annual fee.

How many points do you need for a free Spirit flight?

The minimum number of points needed to book a Spirit flight is 2,500. However, Spirit does not offer a traditional award chart and instead ties the number of points needed to the cash cost of the ticket.

With that, each Spirit point is always worth around 1 cent towards a Spirit flight. So if you want to book a weekend ticket to Miami for $300, it would cost roughly 30,000 Free Spirit points to book a free award ticket.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

Urgent Report:

How to Beat the Crowds & Lock In Affordable Travel While You Still Can...

With lockdowns ending, the demand for travel is surging to record levels - and so are prices.

We’ll show you the strategies and tools to unlock huge savings, but that window is closing fast - so you need to get on this right now.

Download our last-chance playbook here:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.