Spirit Airlines Mastercard
Calculate how many Spirit Miles you can earn and the cash value of the Spirit Mastercard based on monthly/yearly spend, benefits, and the annual fee. Compare the results side by side against any rewards card.
The Spirit Airlines Mastercard is a co-branded airline card offered by Bank of America. Like it's discontinued business card sibling, it lacks any real perks and does not offer that big of bonus for the already low-valued Free Spirit Miles currency. It even forces you to put heavy spend through the card for a bonus that's barely worth $20. Unless you cherish preferred boarding for Spirit Airlines, I would steer clear of this card and find something that can reward you properly.
The Bank of America Spirit Mastercard earns a flat rate of Spirit Free Miles for all purchases. There's no limit to the amount of Free Spirit Miles you can earn with the card. Free Spirit Miles normally expire after three consecutive months of inactivity. Holding the Spirit Airlines Mastercard can help prevent that as long as you make a small purchase and accumulate at least a mile to avoid inactivity.
2x All Purchases
The Spirit Mastercard earns an unlimited 2 Free Spirit Miles per $1 spent on all purchases. Since Free Spirit Miles are only valued at 0.4 cents each, you're not even getting a full return of 1% per $1 spent which is terrible. Picking up this card and making a single purchase to keep Spirit Elite Status can have its perks, but I do not recommend using this card for Spirit Airline ticket purchases. You can earn more than triple that value with other rewards cards such as the Barclay Uber Card which earns 3% cash back on airfare and the Citi Double Cash which earns 2% cash back on all purchases.
Perks and Benefits
Spirit Mastercard cardholders will get Preferred Boarding and Domestic Priority Check-In on Spirit Airlines flights. If there's any reason to even slightly consider getting this card, it would be for the priority services as these can be very useful for any airline.
Annual Point Bonus
Spirit Mastercard cardholders who spend $10,000 or more on this card annually will earn a 5,000 Anniversary Bonus Free Spirit Miles. After hitting the spend goal, you will end up with 25,000 Free Spirit Miles which is worth $100. You can run $10,000 in spend across just about any decent travel reward card with no annual fee an earn $100 or more. A 1.5% cash back card like the Chase Freedom Unlimited will earn you $150 with ease and it has no annual fee.
Reduced Award Flights
Spirit Mastercard cardholders will earn access to special Reduced Award Flight redemption levels. This could be useful for anyone that has accumulated enough Free Spirit Miles to purchases an award flight, but would like to save some points. One-way flights with Spirit start at 2,500 Free Spirit Miles which can be earned in a single round-trip flight for anyone earning 100% of there flown miles with Spirit Elite Status.
Spirit Elite Status
Spirit Mastercard cardholders will be able to earn Spirit Elite Status by making one card purchase per month. Earning elite status with Spirit is beneficial to earning 100% of your miles flown with their airline. If you fly Spirit a few times per year and can't maintain status, this is one of the main reasons to have the card
Sign Up Bonus
The standard Spirit Mastercard sign up bonus is 30,000 miles. This has a cash value of about $120, but can be redeemed for as many as 12 one-way trips (plus taxes) if you can find awards at their starting price of 2,500 Free Spirit Miles.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The annual fee for the Spirit Mastercard is $0 the first year, then $59. If you cherish the priority boarding at $59, then it could be worth it if you fly Spirit consistently during the year. Otherwise, this card is not worth the fee in my opinion.
Authorized User Fee
There is no authorized user fee for the Spirit Mastercard. If you're going all in for Spirit Free Miles, adding friends and family to your card can assist in building up your balance.
Foreign Transaction Fee
The Spirit Mastercard has a foreign transaction fee of 0%. Spending on this card outside of the United States will still allow you to build your Free Spirit Miles, but I recommend running international spend on cards with better rewards.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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