Spirit Mastercard Calculator

The Spirit Mastercard can boost the value of your miles to 1.2 cents or higher. Get the card deatails and calculate how many Spirit Miles you can earn.

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.
Updated 2020-06-30 By Robert Flowers III

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