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Last Updated: 07/28/2025
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Spirit Airlines World Mastercard
Unaffiliated
in Credit Cards from Bank of America
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$59
Spirit Airlines World Mastercard Review
Spirit Airlines World Mastercard is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a travel 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
- Welcome offer. Offers a signup bonus of 30000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 25.49%.
- $0 intro annual fee for the first year. Spirit Airlines World Mastercard gives you the chance to have the card for a year without paying the $59 annual fee.
- A 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Spirit Airlines World Mastercard
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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.
| Description |
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 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.What are the Spirit Airlines World Mastercard benefits?
Spirit Airlines World Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $59.
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 customer service number for Spirit Airlines World Mastercard 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 login page for Spirit Airlines World Mastercard?
You can access the login page of Spirit Airlines World Mastercard 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 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, Spirit Airlines World 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 Spirit Airlines World Mastercard
- Visit the website of Spirit Airlines World 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.
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