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 and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Spirit Airlines Unveils New Invite-Only Free Spirit Credit Card

Daniel Ross's image
Daniel Ross
Daniel Ross's image

Daniel Ross

Senior Content Contributor

630 Published Articles 1 Edited Article

Countries Visited: 56U.S. States Visited: 17

Daniel has loved aviation and travel his entire life. He earned a Master of Science in Air Transport Management and has written about travel and aviation in publications like Simple Flying, The Points...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Update: The offers mentioned below have expired and are no longer available.

Spirit Airlines has launched a new co-branded credit card from Mercury Financial and First Bank & Trust.

The new Free Spirit® Points Plus Mastercard®, along with the Free Spirit® Points Mastercard® launched earlier in 2021, is different from the Bank of America Spirit Airlines credit cards as you’re only eligible if you have been invited to apply (likely via mail).

The Free Spirit Points Plus card will have an annual fee of $79, which is on the low end of credit card fees.

Welcome Bonus

For the Free Spirit Points Plus card, upon spending $750 in qualifying purchases and at least 1 monthly minimum payment during the first 90 days of account opening, cardmembers will earn a bonus of 20,000 Free Spirit points. Rather than just a regular sign-up bonus, cardholders will also receive a $100 Companion Flight Voucher after hitting the above spending criteria.

Curiously, the welcome bonus of the airline’s other paid card — the Free Spirit® Travel More World Elite Mastercard® — is double the points at 40,000 Free Spirit points. The Free Spirit World Elite card has the same annual fee but isn’t invite-only. So, depending on your welcome bonus eligibility, choosing a card with a higher sign-up bonus would make more sense.

The Free Spirit Points card comes with an offer of 5,000 bonus points after spending $500 on purchases within the first 90 days of account opening. The Free Spirit® Travel Mastercard®, by comparison, offers 10,000 bonus points for the same spending criteria. Both of these cards do not have an annual fee.

Other Benefits

Free Spirit Points Mastercard and Free Spirit Points Plus Mastercard
Image Credit: Spirit

Spirit flyers who are in possession of the new Free Spirit Points Plus card or Free Spirit Points card will get to board the aircraft early in Zone 2 and receive a 25% discount on food and drink purchases while onboard. Their Free Spirit points will also never expire so long as the card is active.

In terms of points perks, Free Spirit Points Plus cardholders will earn 1 status qualifying point (SQP) per $10 spent and be eligible for Points Pooling for up to 8 Free Spirit members.

Earning status through credit card spending is an especially valuable perk, and status with Spirit Airlines can offer increased earnings on fares and À La Smarte Options, same-day standby, seat selection, baggage benefits, and more.

In addition to the $100 Companion Flight Voucher included with the sign-up bonus offer for the Free Spirit Points Plus card, a second will be awarded when spending $5,000 within a year. The card’s annual fee will also be waived for the first year.

Hot Tip: Learn more about the Spirit Airlines Free Spirit loyalty program, featuring an in-depth look at the benefits of elite status.

Points Earning

The new Free Spirit Points Plus card helps you earn bonus Free Spirit points, including:

  • 3x on Spirit purchases
  • 2x on dining out and groceries
  • 1x on all other purchases

By comparison, the Free Spirit Points card offers 2x on Spirit purchases and 1x on all other purchases.

These earning rates mirror the Bank of America card options.

Final Thoughts

If you receive an invite in the mail, this card is definitely worth considering. The Free Spirit Points Plus card is a great way of earning bonus Free Spirit points and airline status when flying with the airline.

However, always make sure to compare your other options to make sure you’re getting the best deal possible. The Free Spirit Points Plus card and Free Spirit Points card potentially target those that may not qualify for Spirit’s existing Bank of America cards and come with higher APRs, so if you’re interested in a Spirit credit card, it may make the most sense to apply for the Free Spirit World Elite card or Free Spirit card first.



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

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

Daniel Ross's image

About Daniel Ross

Daniel has loved aviation and travel his entire life. He earned a Master of Science in Air Transport Management and has written about travel and aviation in publications like Simple Flying, The Points Guy, and more.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status