Spirit Mastercard

Review & Spirit Miles Calculator
2X Miles All Purchases
Priority Services
Bonus 5k Miles w/ $10k Spend
Off-Peak Pricing

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.

Bonus Categories

The Spirit Mastercard does not feature any bonus categories. It earns at a flat rate of 2 FREE SPIRIT Miles per $1 spent. There's no limit to the amount of FREE SPIRIT Miles you can earn spending on the card.

  • 2x All Purchases

With the off-peak pricing this card offers, you can easily get 1.2 cents or more in value out of Spirit Miles. This credit card is what makes Spirit Miles worth it, otherwise you'll be receiving around 0.4 cents or lower in value.

Perks & 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
    • Redemptions for cardholders start at 2,500 miles for off-peak, one-way Region 1 flights.
    • Significantly bumps up the value of FREE SPIRIT Miles.
  • Complimentary Elite Status
    • Grants Spirit Elite Tier status when you make one card purchase per month.
    • Elite status grants you 100% of your miles flown which is essencial if you're earning FREE SPIRIT Miles.
  • Priority Services
    • Receive Zone 2 boarding.
  • Annual Point Bonus w/ Spend
    • Spending $10,000 on the card during the calendar year will earn you 5,000 bonus FREE SPIRIT Miles.
    • If you're redeeming FREE SPIRIT Miles for 1.2+ cents each, this is a decent bonus.
spirit miles chart
Redeem your Spirit Miles for off-peak pricing in Region 1 and Region 2 for the best value.

Sign Up Bonus (SUB)

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.


Annual 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.

and Card Value Calculator

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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