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Free Spirit® Travel More World Elite Mastercard®

Bank of America

$79
Annual Fee
mastercardGoodairlinepremium6 months ago

Welcome Offer

30,000 pts(≈ $300)Spend $1,000 within 3 months
Check issuer terms ↗
OpenCard analysis

Is the Free Spirit Travel More World Elite Mastercard right for you?

The Free Spirit Travel More World Elite Mastercard is a $79-a-year Spirit Airlines Free Spirit Points card from Bank of America. Its strongest everyday earning is 3x on Spirit Airlines purchases, with 1x on most other purchases. It needs to earn at least $79 more a year than a no-fee alternative to justify the fee.

Who it's for

  • ✓ People who spend steadily on Spirit Airlines purchases, where it earns 3x
  • ✓ Regular Spirit Airlines Free Spirit customers who will redeem with that program

Who should skip it

  • — People with no loyalty to Spirit Airlines Free Spirit
  • — Heavy spenders outside Spirit Airlines purchases — everything else earns 1x
  • — Anyone who won't earn at least $79 a year more than a no-fee card

First-year value estimate

Welcome bonus
$300
Rewards on spending
$180
Annual fee (year 1)
−$79
Year 1, before credits
$401

Year two, without the welcome bonus: about $101 before credits ($180 in rewards minus the $79 fee).

Assumptions

  • $3,000 a year in Spirit Airlines purchases (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
  • Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
  • Welcome bonus: 30,000 Spirit Airlines Free Spirit Points at 1¢ each (OpenCard valuation) ≈ $300.
  • Annual fee of $79 in year one and every year after.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Aer Lingus Visa Signature →
Chase, higher fee ($95 vs $79); earns 3x on Aer Lingus, British Airways, Iberia, LEVEL flights.
British Airways Visa Signature →
Chase, higher fee ($95 vs $79); earns 3x on British Airways, Aer Lingus, Iberia, LEVEL flights.
Iberia Visa Signature →
Chase, higher fee ($95 vs $79); earns 3x on Iberia, British Airways, LEVEL, Aer Lingus flights.
Compare side by side →

Rules and gotchas

  • The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the Free Spirit Travel More World Elite Mastercard have an annual fee?
Yes — $79 a year, according to the issuer information in our record.
What does the Free Spirit Travel More World Elite Mastercard earn?
3x on Spirit Airlines purchases, 2x on dining, and 1x on other purchases.
Is the Free Spirit Travel More World Elite Mastercard worth it in the first year?
Using our illustration ($12,000 of yearly spending, $3,000 of it in Spirit Airlines purchases), the first year comes out around $401 before credits, including a welcome bonus valued at $300. Year two drops to about $101 before credits.
What credit do I need for the Free Spirit Travel More World Elite Mastercard?
Our record lists "Good" credit as the typical target for the Free Spirit Travel More World Elite Mastercard. Bank of America makes the final decision based on its own criteria.

Earning Rates

3×Spirit Airlines purchasesEarn 3 points per $1 spent on eligible Spirit purchases
2×Dining2x points at restaurants (worldwide)
1×Other1x points on all other purchases

Other Benefits

Other Benefits

Companion Travel

Complimentary companion flight voucher annually (on anniversary)

Free Checked Bag

First checked bag free for cardholder on each reservation

Priority Boarding

Early boarding on Spirit flights

10% Mileage Boost

10% points bonus on base miles earned on Spirit flights

No Foreign Transaction Fees

No foreign transaction fees on international purchases

Insurance

Rental InsuranceSecondary
Purchase Protection

Sources

Last Updated: Apr 16, 2026

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