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Spirit Airlines World Mastercard
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| 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
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This is a rewards card issued by Bank of America. If you're wondering whether Spirit Airlines World Mastercard is the right card for you, read on.
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 $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Spirit Airlines World Mastercard
| The Good | The Bad |
|---|---|
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Spirit Airlines World Mastercard FAQ
Does Spirit Airlines World Mastercard have a cash back or rewards program?
Spirit Airlines World Mastercard is a travel rewards card.
| Minimum rewards rate | 2x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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. This card has higher than average regular APRs.Spirit Airlines World Mastercard 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:
| 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.
What is the Spirit Airlines World Mastercard login page?
You can access the Spirit Airlines World Mastercard login page here.
How do people rate the customer service and user experience of Spirit Airlines World Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
100 North Tryon Street
Charlotte, NC 28255 USA - (800) 932-2775
- Visit Site
- Email Support
Other Services by Bank of America
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Annual Fee First Year | |
| Annual Fee | $59 |
| Minimum Interest Charge | $1.50 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $29 |
| Late Fee Amount | Up to $40 |
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