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  Free Spirit® Travel More World Elite Mastercard®
Free Spirit® Travel More World Elite Mastercard®

in Personal Credit Cards from Bank of America

Unaffiliated

Free Spirit® Travel More World Elite Mastercard®

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Purchase APR  (Variable APR) 16.24% - 24.24%
Balance Transfer APR  (Variable APR) 16.24% - 24.24%
Credit Score Range 300 - 850
Annual Fee $79

Free Spirit® Travel More World Elite Mastercard® Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Free Spirit® Travel More World Elite Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Free Spirit® Travel More World Elite Mastercard® has a variable purchase APR that ranges from 16.24% up to 24.24%.
  • 3% Balance transfer fee. Free Spirit® Travel More World Elite Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Free Spirit® Travel More World Elite Mastercard®
The Good The Bad
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Free Spirit® Travel More World Elite Mastercard® reports to multiple credit bureaus.
  • Charges an annual fee of $79
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
Free Spirit® Travel More World Elite Mastercard® FAQ

Does Free Spirit® Travel More World Elite Mastercard® have a cash back or rewards program?

Free Spirit® Travel More World Elite Mastercard® is a travel rewards card.

Free Spirit® Travel More World Elite Mastercard® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Free Spirit® Travel More World Elite Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Free Spirit® Travel More World Elite Mastercard® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Free Spirit® Travel More World Elite Mastercard® benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Free Spirit® Travel More World Elite Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

Free Spirit® Travel More World Elite Mastercard® has a variable purchase APR that ranges from 16.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 24.24%. It also has a variable cash advance APR that ranges from 19.24% up to 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Free Spirit® Travel More World Elite Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Free Spirit® Travel More World Elite Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Free Spirit® Travel More World Elite Mastercard®?

The following fees apply:

Free Spirit® Travel More World Elite Mastercard® Fees
Fees Amount
Annual Fee $79
Foreign Transaction Fee 0%
Late Payment Fee $40

Does Free Spirit® Travel More World Elite Mastercard® have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Free Spirit® Travel More World Elite Mastercard®?

The Free Spirit® Travel More World Elite Mastercard® customer service number is (800) 932-2775.

What is the support contact email for Free Spirit® Travel More World Elite Mastercard®?

The support contact email for Free Spirit® Travel More World Elite Mastercard® is customerservicealert@bankofamerica.com.

How do people rate the customer service and user experience of Free Spirit® Travel More World Elite Mastercard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Free Spirit® Travel More World Elite Mastercard® report your account activity to credit bureaus?

Yes, Free Spirit® Travel More World Elite Mastercard® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Free Spirit® Travel More World Elite Mastercard®

  • Visit the Free Spirit® Travel More World Elite Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Annual Fee $79
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
No Reward Expiration Period
Rewards Categories
  • 2x Points on Groceries up to $1
  • 2x Points on Restaurants up to $1
  • 1x Point on Every Purchase up to $1
  • 3x Points on In-Store Eligible Purchases up to $1
Cash Advance APR (Variable APR) 19.24% - 29.24%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.24% - 24.24%
Balance Transfer APR (Variable APR) 16.24% - 24.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
Card Network Mastercard

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