Free Spirit® Travel More World Elite Mastercard®

Free Spirit® Travel More World Elite Mastercard® Review

This is a rewards 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.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 26.24%.
• 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 credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Free Spirit® Travel More World Elite Mastercard® reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $79 Does not offer a signup bonus. You don't earn rewards on every purchase. 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
Signup 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. This card has higher than average regular APRs.

Free Spirit® Travel More World Elite Mastercard® has a variable purchase APR that ranges from 18.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 26.24%. It also has a variable cash advance APR that ranges from 21.24% 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.

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	up to $40

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.