Last Updated: 07/28/2025
Free Spirit® Travel More World Elite Mastercard®
Unaffiliated
from Bank of America
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.24% - 26.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18.24% - 26.24%(Verified 06/21/2024)
Credit Score Range
300 - 850
Annual Fee
$79
Free Spirit® Travel More World Elite Mastercard® Review
This is a travel 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
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 26.24%.
- A 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 poor credit.
Pros & Cons of Free Spirit® Travel More World Elite Mastercard®
| The Good | The Bad |
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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.
| Description |
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?
Free Spirit® Travel More World Elite Mastercard® 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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.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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $79.
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 customer service number for Free Spirit® Travel More World Elite Mastercard® 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 to the following credit bureaus:
- 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 build your credit.
Does Bank of America perform a hard credit pull?
Yes, Free Spirit® Travel More World Elite Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Free Spirit® Travel More World Elite Mastercard®
- Visit the website of Free Spirit® Travel More World Elite Mastercard®.
- 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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Other Credit Cards from Bank of America
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
12.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 23.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$59
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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