Fly Spirit frequently? You'll want to have the Spirit Mastercard. Redemptions start at 2,500 miles for cardholders which significantly boosts value.
The Spirit Mastercard is co-branded airline card offered by Bank of America. If Spirit is your primary airline, you'll want to pick up the Spirit Mastercard due to the access to 2,500-point redemptions and the complimentary Spirit elite status it offers just from making one purchase per month. If you faithfully collect Spirit Miles and don't have this card, you'll be cheating yourself out of redeeming your Spirit Miles for as high as 1.2 cents or more.
The Bank of America Spirit Mastercard earns a flat rate of Spirit Miles for all purchases. There's no limit to the amount of Spirit Miles you can earn with the card. 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 to accumulate at least 1 mile to avoid inactivity.
2x All Purchases
The Spirit Mastercard will earn you 2 Spirit Miles per $1 spent on all purchases. As a cardholder, you'll be able to redeem miles at a significantly higher value than non-cardholders. With off-peak pricing, you can easily squeeze 1.2 cents or more in value out of Spirit Miles which means generally spending will give you at least a 2.4% return or higher.
If you're redeeming your Spirit Miles at normal pricing (or worse), you'll get around 0.4 cents or lower in value out of your miles which means you'll be earning a terrible return. It really all comes down to how you plan on redeeming your points. If you're not going to stick to redeeming rewards for off-peak pricing, this is not a credit card you'll want to use.
Perks and Benefits
The most important benefits that the Spirit Mastercard offers is the Reduced Award Flights benefit and complimentary elite status. Those two perks alone are the bread and butter of this credit card.
Reduced Award Flights
As a Spirit Mastercard holder, you'll receive access to Reduced Award Flights. Redemptions will start at 2,500-miles for off-peak one-way Region 1 awards which can easily give your Spirit Miles 1.2 cents each or higher in value due to being 1/4th the cost of normal award pricing. This is the primary reason for picking up this credit card. If you don't plan on sticking to off-peak pricing for most of your redemptions, Spirit Miles will have minimal value and you'd be better off using a credit card that's great for general airline spend.
Spirit Elite Status
The Spirit Mastercard will grant you complimentary Spirit Elite Status as long as you make one purchase on the card per month. Earning elite status is essential with Spirit Airlines as this is the only way you will earn 100% of your flown miles. Without elite status, you'll earn 50% of your flown miles which means you would only earn 500 Spirit Miles if you were to fly a distance of 1,000 miles.
You will receive Zone 2 boarding as a Spirit Mastercard holder and you'll receive domestic priority check-in on Spirit Airlines flights. Priority services are always helpful if you're one for getting through lines and getting to your seat faster.
Annual Point Bonus
When you run $10,000 in spend across the Spirit Mastercard during the calendar year, you will be award 5,000 bonus miles. This means you would end up with a total of 25,000 Spirit Miles when combine the 2x earnings and bonus miles which can have a value of $300 if you can redeem your miles for at least 1.2 cents each which is not bad at all.
If you're redeeming your points at anything other than off-peak pricing, you'll this annual bonus will not be worth it in the slightest bit.
Sign Up Bonus
The standard Spirit Mastercard sign up bonus is 30,000 Spirit Miles. You'll earn 15,000 Spirit Miles after your first purchase and an additional 15,000 Spirit Miles after you spend $500 on the card within the first 90 days of account opening.
In terms of cash, you're looking at either 1.2 cents or more per mile or an average of 0.4 cents per mile depending on how you redeem your Spirit Miles. On the high end you're looking at a cash value of $360 and on the low end you're looking at $120 in cash value.
In terms of flights, you can obtain 12 one-way trips at off-peak pricing at the 2,500-point redemption level. Standard and peak pricing redemptions will get you 1-3 flights out of this bonus.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The annual fee for the Spirit Mastercard is $0 the first year, then $59. This card is only worth it if your main focus is on the off-peak Region 1 and Region 2 pricing as that's where the value is when it comes to redeeming Spirit Miles.
Authorized User Fee
There is no authorized user fee for the Spirit Mastercard. If you're going all in for Spirit 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%. If you're super dedicated to earning Spirit Miles and can redeem them for great value, using this card for international travel and spend can be worth it though there are generally better credit cards for travel spend.
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.
Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.
Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.
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.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2020 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.