The first thing to know about the Free Spirit Travel More World Elite Mastercard is that Bank of America is no longer accepting applications, so this take is for existing cardholders deciding whether to keep it. For frequent Spirit flyers the case was always the airline perks: two free checked bags on Spirit flights, shortcut boarding, and a 25% rebate on inflight food and drinks can easily outweigh the $79 annual fee on their own. Earning is modest, with 3 points per dollar only on Spirit tickets and inflight purchases, 2 points on dining and groceries, and 1 point on everything else. The $100 companion voucher requires $5,000 in spend over the prior anniversary year and doesn't cover taxes and fees, so treat it as a bonus rather than a reason to carry the card. If you've stopped flying Spirit regularly, the bag benefit is the only thing holding up the fee, and without it there's little reason to keep paying.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Spirit Airlines tickets and inflight purchases only | 3x |
Dining | 2x |
Groceries | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Companion flight voucher A $100 companion flight voucher at each account anniversary after spending $5,000 in the prior anniversary year. Taxes and fees are not covered. | $100 |
Inflight rebate A 25% rebate on Spirit inflight food and beverage purchases paid for with the card, posted automatically within about a week. | 25% |
Card details
Foreign transaction fee | None |