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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
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

Spirit Airlines World Mastercard 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 is everything you need to know 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Spirit Airlines World Mastercard Pros and Cons:

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.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Spirit Airlines World Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $59
  • Charges a 3% balance transfer fee.

Is there a Spirit Airlines World Mastercard cash back or rewards program?

Spirit Airlines World Mastercard offers a rewards program to its customers.

Spirit Airlines World Mastercard Rewards
Rewards rate (all purchases) 2%
Max rewards rate 2%
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?

Spirit Airlines World Mastercard 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?

Spirit Airlines World Mastercard 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?

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
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Spirit Airlines World Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Spirit Airlines World Mastercard has higher than average purchase 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 introductory APR offer on balance transfers?

No, Spirit Airlines World Mastercard does not come with an introductory APR offer for balance transfers.

Does Spirit Airlines World Mastercard have an introductory APR offer on new purchases?

Spirit Airlines World Mastercard does not offer an introductory rate on new purchases.
Spirit Airlines World Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Spirit Airlines World Mastercard?

The following fees apply to Spirit Airlines World Mastercard:

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?

Spirit Airlines World Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Travel Insurance  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Free FICO Score  
Bonus Rewards 15,000 bonus miles after your first purchase + 15,000 bonus miles after making at least $500 in purchases within 90 days of your account opening.
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
Rewards Type Miles
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%

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SUPERMONEY NET RECOMMENDATION SCORE

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