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  Spirit Airlines World Mastercard

Spirit Airlines World Mastercard

in Personal Credit Cards from Bank of America

Unaffiliated

Spirit Airlines World Mastercard

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Purchase APR  (Variable APR) 17.49% - 25.49%
Balance Transfer APR  (Variable APR) 17.49% - 25.49%
Credit Score Range 700 - 850
Annual Fee $59

Spirit Airlines World Mastercard Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Spirit Airlines World 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
  • Signup bonus. Offers a signup bonus of 30000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 25.49%.
  • Annual fee waived the first year. Spirit Airlines World Mastercard gives you the chance to have the card for a year without paying the $59 annual fee.
  • 3% Balance transfer fee. Spirit Airlines World 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Spirit Airlines World Mastercard
The Good The Bad
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Spirit Airlines World Mastercard is accepted.
  • Spirit Airlines World Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $59
  • Charges a 3% balance transfer fee.
Spirit Airlines World Mastercard FAQ

Does Spirit Airlines World Mastercard have a cash back or rewards program?

Spirit Airlines World Mastercard is a travel rewards card.

Spirit Airlines World Mastercard Rewards
Minimum rewards rate 2x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 5000
Annual Loyalty Bonus Spend Requirement $10000

Does Spirit Airlines World Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Spirit Airlines World Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 5000 points after spending $10000 that can be redeemed for travel, gifts, and other perks.

What are the Spirit Airlines World Mastercard benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Spirit Airlines World 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. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 25.49%. It also has a variable cash advance APR that ranges from 20.49% up to 28.49%. 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 Spirit Airlines World Mastercard have an intro APR offer on balance transfers?

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

Does Spirit Airlines World 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 Spirit Airlines World Mastercard?

The following fees apply:

Spirit Airlines World Mastercard Fees
Fees Amount
Annual Fee $59
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

Does Spirit Airlines World 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 Spirit Airlines World Mastercard?

The Spirit Airlines World Mastercard customer service number is (800) 932-2775.

What is the support contact email for Spirit Airlines World Mastercard?

The support contact email for Spirit Airlines World Mastercard is customerservicealert@bankofamerica.com.

Does Spirit Airlines World Mastercard report your account activity to credit bureaus?

Yes, Spirit Airlines World 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 Spirit Airlines World Mastercard

  • Visit the Spirit Airlines World 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.

Availability

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

Feature Breakdown

Airfare (Points) 2
Every Purchase (Points) Earn Double Miles on your everyday purchases – that's 2 miles for every $1.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $59
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Annual Loyalty Bonus (points) 5,000
Annual Loyalty Bonus Spend Requirement $10,000
No Blackout Dates
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 20.49% - 28.49%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.49% - 25.49%
Balance Transfer APR (Variable APR) 17.49% - 25.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard

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