Spirit airlines credit card bank of america

Excellent Credit, Good Credit

$0 intro 1st yr, $79 after

Limited Time Only: Earn 60,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.

Earn 3 points per $1 spent on eligible Spirit purchases; 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases.

Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.

No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.

Redeem points for flights and other select options with Spirit partners.

Reach Free Spirit Status by earning 1 SQP for each $10 in net purchases toward Free Spirit Status.

APR: 18.99% - 26.99% (V)

Balance Transfer Fee 3% (min $10)

Free Spirit Airlines Credit Card Pros & Cons

60,000 points + $100 Companion Flight Voucher initial rewards bonus

No membership fees first year

Membership fees in the second year

No intro APR on purchases

No intro APR on balance transfers

Requires good/excellent credit

Free Spirit Airlines Credit Card Review

The Spirit Airlines Credit Card is a decent option for Free Spirit rewards program members, offering modest rewards and the chance to earn a $100 credit each year. The Spirit Airlines Card requires good credit or better, however, and charges a $79 annual fee from the second year on. When... show more

View 363 User Reviews

cash advance fee 5% (min $10)
cash advance APR 21.99% - 29.99% (V)
foreign transaction fee 0%
smart chip Yes, chip-and-signature
max late fee $40
max overlimit fee $0
max penalty APR 29.99% (V)
grace period 25 days

Security Benefits: $0 Liability Guarantee, Overdraft Protection and Paperless Statement Option.

Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.

Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.

Can't find what you are looking for? Submit your question about Free Spirit Airlines Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What are the Spirit Airlines Credit Card credit score requirements?

The Free Spirit Airlines Credit Card credit score requirement is 750 or better. This means that you need at least good credit to get approved for this credit card.

Your credit score won't be the only factor taken into consideration, though. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it's best to wait to apply until you meet the Free Spirit Airlines Credit Card credit score requirement. You can check your credit score for free on WalletHub to see where you stand.

How do I cancel my Spirit credit card?

You can cancel your Spirit credit card anytime you want by calling customer service at 1-800-732-9194.

And cancelling is a good idea if you don't travel enough to make the annual fee worth it. I feel like the Spirit Card doesn't give you enough for the money.

How do I apply for the Spirit Airlines Credit Card?

Do you still pay for luggage as a card holder?

Try calling the card's customer service number (800-732-9194). Free baggage fees are not listed among the offer's benefits on Bank of America's website or in the terms and conditions.

View more answers

I am a 9 dollar fare club member for 59 per year. If I get the spirit credit card, does that card offer the same benefits as the 9$ fare club? Or do I need to carry both for maximum benefits?

You can use the link in the post above to find which number to call and ask your questions.

Can I use my Spirit Airlines credit card anywhere?

The Spirit Airlines Credit Card is a MasterCard and most merchants accept MasterCard, so yes, you can use it pretty much anywhere. Hope this helps!

View more answers

If I cancel my Spirit CC, do I keep my points for future travel?

Unfortunately not. You will have to redeem your points before closing the account in order to avoid forfeiting what you've earned. Best of luck! Please let us know if you have any more questions.

I still have not gotten my bonus miles and I have had my card for 7 months and use it every month. Does anyone have a phone number I can call to get my bonus points?

Yes, you can call customer service at 800-732-9194. And you're right; you should have received your miles by now. Hope this helps!

can i get a secured spirit mastercard? since my credit is not that good.

Bank of America doesn't offer a Secured Spirit Mastercard, but there are plenty of secured cards on the market that may fit your needs. You can take a better look at your options here: https://wallethub.com/credit-cards/bad-credit-secured/ .

Can I turn my miles into cash?

You can use the link in the post below to find which number to call and ask your questions.

Share your insights and review the Free Spirit Airlines Credit Card

What's Your Rating?

Selena Buckner

June 15, 2022 • @selenabuckner

1 Star Rating

My longest standing credit card. The line has never increased from $1100 and Ive had it for years. My other credit lines range from $3000-$5000. I've never missed a payment on this card in the years I've had it. Have hardly ever gone over 30% usage. Now, 4 or 5 years later, I am late on ONE payment because I forget to set autopay after paying before due date over minimum for many years. They call. I apologize, pay for missed payment and next payment, set up auto pay, and they reduced my line to $600. How insulting. Because I was unknowingly late on a card that I've had excellent payment history on for years. If them not raising my limit wasn't bad enough, this drastic reduction of my limit for a late payment was simply insulting. Its a worthless card. Can't even use Spirit in this part of Florida. Delta offered me a card. I'm sure they'll have more class lol

Comment

tonymannino

April 24, 2022 • @tonymannino

1 Star Rating

I have at least a dozen credit cards and this card, by far, is the worst of them. The website is the most confusing I've ever seen and I've been in IT for over 40 years. I pay ALL of my bills, including ALL of my credit cards, through my bank Savings account. But not this one: Customer Service insists that I can only pay through my Checking account. That is not optimal for me since I have to remember to transfer the money every month before it is withdrawn; way too much work!

And, so far, they haven't been able to help me set up with AutoPay, which would help to make this a little easier.

Suffice to say that I am cancelling this credit card as soon as I use up the reward points.

Comment

Julie Navaroli

January 28, 2022 • @Randypaulgwin

1 Star Rating

I just had the worst customer service ever. I was on the phone for an hour just trying to get someone to help me log into my spirit account. I have had the CC for some time now and noone seems to know how to help. I am very disapponinted.

Comment

_440_

October 9, 2021 • @_440_

1 Star Rating

IT IS A SCAM... I booked a flight on the Spirit site and at point of sale a $100 voucher popped up, if I filled out a Bank Of America Application. No where were any terms except that I would owe an annual fee when the card renewed... I booked the first and second flight and got the bill.. no credit... then I look on the spirit airlines site and click apply and there you can see crazy terms... make $1000 in purchases and book within the first 90 days... BUT INFO WAS NOT AVAILABLE AT POINT OF SALE. Tryed to dispute with Bank of America and they said I was out of luck... BANK OF AMERICA FIRED and my impressions of value airlines took a hit, two notches down from next to nothing!

Comment

traveling18235

June 21, 2021 • @traveling18235

1 Star Rating

This was a bogus offer. I can not find any way to redeem points on the website and customer service just sends me around in circles. This airline has the worst communication I have ever experienced. Prices may be great for the ticket but the add ons are huge and it is nearly impossible to get someone on the line to answer questions. I am done.

Comment

Tj Lafashia

December 24, 2020 • @tommydl

1 Star Rating

The worst credit card and THE WORST AIRLINE! I will walk before I ever use them again. They are that bad, and raising the fee on this card was the breaking point. Paid off and closed! And don’t even try to talk to someone about your problem. Arrogant and dismissive!

Comment

SC Knights

August 9, 2020 • @zsierracirio

1 Star Rating

Worst credit card, worst customer service. Travel perk is a trap. Customer service people have no customer service skills. Annual fee not worth it. Bank of America should know better. Want to be first train your people.

Comment

Frank Reviewer

January 18, 2020 • @emailagrawal

1 Star Rating

Bank of America service is horrible. Stay away from Spirit Card. I fell for their Statement credit promotion after spending $500 over 3-months. Now BofA says they have no knowledge of that and it is Spirit Airlines responsibility! BofA website is confusing. Their own customer service support acknowledges that - I am on phone with them for 2 hours! Stay away from this BofA mis-information and poor customer service. I agree United Card and mileage program is a pleasure to use.

Comment

ann_foley88

October 12, 2019 • @ann_foley88

1 Star Rating

Worst credit card I’ve ever used. I earned about 30,000 miles, yet can’t use any of them because their website errors out as soon as I enter in my credit card info. Then there’s a $25 dollar fee to book over the phone (if you can ever get through to them). I’ve had my united card for 2 years and would highly recommend that card instead. You get literally nothing using spirits card but a fee. I’ve had it for 3 months and am canceling ASAP. Even if I fly Spirit again, I’d rather get points on a different credit card that I can actually redeem.

Comment

Laura Uhly

October 9, 2019 • @laurauhly

1 Star Rating

So frustrating! NOT WORTH IT and a WASTE OF TIME. The restrictions on mileage use makes it impossible to actually book a flight. The mileage chart is completely misleading! For example, my husband and I were booking a flight from Plattsburgh to Panama City. On the chart, this is a Zone 3, for which I had enough miles for us to both go one way. However, as this flight stops in Fort Lauderdale, it is considered a "multi-city trip," in which you can't use your miles. This should be blacked out on the chart so people realize that it's not even an option! Plus, when booking separately (Plattsburgh to Fort Lauderdale and then Fort Lauderdale to Panama City), the miles used increases dramatically, as they are two different flights. Additionally, the "miles needed" online always listed the miles during Peak Season, which was inaccurate according to the dates listed on the chart. Finally, the website is frequently down and/or difficult to navigate and actually speaking to someone on the phone is a 20 minute process. DO NOT FALL FOR THIS SCAM!

Comment

Review Free Spirit Airlines Credit Card

Free Spirit Airlines Credit Card

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What airlines are partnered with Bank of America?

Alaska Airlines' co-branded credit card with Bank of America currently offers cardholders the airline industry's most generous loyalty rewards program, including Alaska's Famous Companion Fare™, free checked bags, the opportunity to earn 3x the miles on Alaska purchases, oneworld® Alliance mile redemptions, 50 percent ...

What Bank is Spirit credit card?

This card is issued by TCM Bank, N.A. Subject to credit approval. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Can you use Spirit airline credit card anywhere?

Yes you can, since it's a Mastercard. You can use it anywhere Mastercard is allowed, which means you'll be able to buy a ticket with whatever airline you want. You won't get the same perks though!

What credit cards does Spirit Airlines accept?

Spirit accepts Visa, Mastercard/Maestro, American Express, Discover, and ACH Debit (E-Checks). Your payment method will be auto-charged in accordance with your Spirit subscription. While not required to, you may have multiple payment methods on your Spirit account.