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Excellent Credit, Good Credit
Free Spirit Airlines Credit Card
Info about the Free Spirit Airlines Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
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Existing Cardholders
- Issuer's Customer Service: 800-432-1000
-
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REWARDS |
APRs |
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Existing Cardholders
- Issuer's Customer Service: 800-432-1000
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Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
December 6, 2021
Review: Free Spirit Airlines Credit Card
The Spirit Airlines Credit Card is a decent option for Free Spirit rewards program members, offering modest rewards and the chance to earn a $100 credit each year. The Spirit Airlines Card requires good credit or better, however, and charges a $79 annual fee from the second year on. When compared to the best airline and travel rewards credit cards on the market, the Spirit Card simply doesn’t measure up.
Spirit Airlines Credit Card Review Highlights
Spirit Airlines Credit Card Review Highlights
- Decent rewards bonus. You’ll earn 40,000 bonus points after spending $1,000 in the first 90 days after account opening, plus a $100 Companion Flight Voucher. Each point is worth $0.0073 on average, according to WalletHub research. So this bonus is worth $292 or so.
That’s a pretty good deal compared to what people with good or excellent credit can get from the market’s best travel rewards credit cards. So this initial bonus is definitely a reason to apply for the Spirit Credit Card.
- Below-average ongoing rewards. You’ll earn 3 points / $1 spent on Spirit purchases, 2 points / $1 on dining and grocery store purchases, and 1 point / $1 spent on all other purchases made with the Free Spirit Airlines Credit Card. That might sound pretty good, but Spirit miles are worth less than the penny-plus apiece you’ll get from most competitors.
- Other perks. Spending $5,000 in a year will get you a $100 Companion Flight Voucher after each account anniversary. You also have zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases.
- $79 annual fee, starting year two. Annual fees aren’t uncommon on travel rewards credit cards. But you have to view the amount charged in terms of what you’ll get back. And the Free Spirit Card doesn’t give you enough for the money. Its annual fee is waived for the first year, thankfully. But it costs around 4 times as much as the average credit card each year thereafter, according to WalletHub’s latest Credit Card Landscape Report. You can get a lot more while spending a lot less.
- Not the card for carrying a balance. The Spirit Airlines Credit Card doesn’t offer a 0% introductory APR. Its regular rate is likely to be above the average for people who can qualify. And it could be significantly higher, depending on where your credit currently stands. So while we don’t recommend applying for the Spirit Card anyway, you definitely don’t want to do so if you aren’t going to pay your bill in full every month.
- Requires good credit or better. People with the good or excellent credit needed to qualify for the Spirit Credit Card – you can check your credit score for free on WalletHub to find out – have plenty of other options available to them. So don't rush on the Spirit Card and check our editors’ picks for the year’s best airline credit cards or the best credit cards overall.
This Free Spirit Airlines Credit Card review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
December 6, 2021
Free Spirit Airlines Credit Card's Rewards
- Earn 40,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
- Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.
- Earn 3 points per $1 spent on eligible Spirit purchases; 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases.
- Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.
- No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.
- Redeem points for flights and other select options with Spirit partners.
- Reach Free Spirit Status by earning 1 SQP for each $10 in net purchases toward Free Spirit Status.
Free Spirit Airlines Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Not Offered | 15.99% - 23.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Not Offered |
|
Regular APR
|
15.99% - 23.99% (V) |
| ANNUAL FEE
|
$0 intro 1st yr, $79 after |
|---|---|
| BALANCE TRANSFER FEE
|
3% (min $10) |
Free Spirit Airlines Credit Card's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
$0 |
| MAX PENALTY APR
|
29.99% (V) |
| GRACE PERIOD
|
25 days |
| ONLINE RESPONSE
|
Yes |
| CASH ADVANCE APR
|
18.99% - 28.99% (V) |
| CASH ADVANCE FEE
|
5% (min $10) |
| FOREIGN TRANSACTION FEE
|
0% |
| SMART CHIP
|
Yes, chip-and-signature |
- Security Benefits: $0 Liability Guarantee, Overdraft Protection and Paperless Statement Option.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Last updated on 12/6/2021
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Related Credit Card Categories
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Free Spirit Airlines Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
What are the Spirit Airlines Credit Card credit score requirements? Reply 8votes7votes
WalletHub
@WalletHub
You'll need "good" credit for Spirit Airlines credit card approval, which in most cases means a score above 660. Your credit score won't be the only factor taken into consideration, though, so this can only be used as a guideline. Nevertheless, you can get your credit score for free, full TransUnion credit reports and credit improvement tips on WalletHub here.
8
Upvotes
How do I cancel my Spirit credit card? Reply 1votes1votes
Mark Stam
@markstam
You can cancel your Spirit credit card anytime you want by calling customer service at 1-800-732-9194.
And cancelling is a good idea if you don't travel enough to make the annual fee worth it. I feel like the Spirit Card doesn’t give you enough for the money.
1
Upvote
How do I apply for the Spirit Airlines Credit Card? Reply votesvotes
Evelyn Boros
@evelyn_boros
You can apply for the Free Spirit Airlines Credit Card:
- Online
- By calling (800) 932-2775
- By responding to BofA’s pre-approved offer (in case you received one)
- In person at a Bank of America branch location
You’ll need to have good credit to qualify for this card. And the issuer will also look at factors like your income, debts, or payment history to decide if you’re eligible for a new account.
0
Upvotes
Do you still pay for luggage as a card holder? Reply 21votes14votes
WalletHub
@WalletHub
Try calling the card’s customer service number (800-732-9194). Free baggage fees are not listed among the offer’s benefits on Bank of America’s website or in the terms and conditions.
21
Upvotes
I am a 9 dollar fare club member for 59 per year. If I get the spirit credit card, does that card offer the same benefits as the 9$ fare club? Or do I need to carry both for maximum benefits? Reply 18votes13votes
WalletHub
@WalletHub
You can use the link in the post above to find which number to call and ask your questions.
18
Upvotes
Can I use my Spirit Airlines credit card anywhere? Reply 15votes11votes
WalletHub
@WalletHub
The Spirit Airlines Credit Card is a MasterCard and most merchants accept MasterCard, so yes, you can use it pretty much anywhere. Hope this helps!
15
Upvotes
If I cancel my Spirit CC, do I keep my points for future travel? Reply 10votes7votes
WalletHub
@WalletHub
Unfortunately not. You will have to redeem your points before closing the account in order to avoid forfeiting what you’ve earned. Best of luck! Please let us know if you have any more questions.
10
Upvotes
I still have not gotten my bonus miles and I have had my card for 7 months and use it every month. Does anyone have a phone number I can call to get my bonus points? Reply 8votes9votes
WalletHub
@WalletHub
Yes, you can call customer service at 800-732-9194. And you’re right; you should have received your miles by now. Hope this helps!
8
Upvotes
can i get a secured spirit mastercard? since my credit is not that good. Reply 7votes6votes
WalletHub
@WalletHub
Bank of America doesn't offer a Secured Spirit Mastercard, but there are plenty of secured cards on the market that may fit your needs. You can take a better look at your options here: https://wallethub.com/credit-cards/bad-credit-secured/ .
7
Upvotes
Can I turn my miles into cash? Reply 6votes4votes
WalletHub
@WalletHub
You can use the link in the post below to find which number to call and ask your questions.
6
Upvotes
Free Spirit Airlines Credit Card Reviews
Share your insights and review the Free Spirit Airlines Credit Card.
Oct 09, 2021
IT IS A SCAM... I booked a flight on the Spirit site and at point of sale a $100 voucher popped up, if I filled out a Bank Of America Application. No where were any terms except that I would owe an annual fee when the card renewed... I booked the first and second flight and got the bill.. no credit... then I look on the spirit airlines site and click apply and there you can see crazy terms... make $1000 in purchases and book within the first 90 days... BUT INFO WAS NOT AVAILABLE AT POINT OF SALE. Tryed to dispute with Bank of America and they said I was out of luck... BANK OF AMERICA FIRED and my impressions of value airlines took a hit, two notches down from next to nothing!… show more
Comment
Jun 21, 2021
This was a bogus offer. I can not find any way to redeem points on the website and customer service just sends me around in circles. This airline has the worst communication I have ever experienced. Prices may be great for the ticket but the add ons are huge and it is nearly impossible to get someone on the line to answer questions. I am done.
Dec 24, 2020
The worst credit card and THE WORST AIRLINE! I will walk before I ever use them again. They are that bad, and raising the fee on this card was the breaking point. Paid off and closed! And don’t even try to talk to someone about your problem. Arrogant and dismissive!
Aug 09, 2020
Worst credit card, worst customer service. Travel perk is a trap. Customer service people have no customer service skills. Annual fee not worth it. Bank of America should know better. Want to be first train your people.
Jan 18, 2020
Bank of America service is horrible. Stay away from Spirit Card. I fell for their Statement credit promotion after spending $500 over 3-months. Now BofA says they have no knowledge of that and it is Spirit Airlines responsibility! BofA website is confusing. Their own customer service support acknowledges that - I am on phone with them for 2 hours! Stay away from this BofA mis-information and poor customer service. I agree United Card and mileage program is a pleasure to use.… show more
Oct 12, 2019
Worst credit card I’ve ever used. I earned about 30,000 miles, yet can’t use any of them because their website errors out as soon as I enter in my credit card info. Then there’s a $25 dollar fee to book over the phone (if you can ever get through to them). I’ve had my united card for 2 years and would highly recommend that card instead. You get literally nothing using spirits card but a fee. I’ve had it for 3 months and am canceling ASAP. Even if I fly Spirit again, I’d rather get points on a different credit card that I can actually redeem.… show more
Oct 09, 2019
So frustrating! NOT WORTH IT and a WASTE OF TIME. The restrictions on mileage use makes it impossible to actually book a flight. The mileage chart is completely misleading! For example, my husband and I were booking a flight from Plattsburgh to Panama City. On the chart, this is a Zone 3, for which I had enough miles for us to both go one way. However, as this flight stops in Fort Lauderdale, it is considered a "multi-city trip," in which you can't use your miles. This should be blacked out on the chart so people realize that it's not even an option! Plus, when booking separately (Plattsburgh to Fort Lauderdale and then Fort Lauderdale to Panama City), the miles used increases dramatically, as they are two different flights. Additionally, the "miles needed" online always listed the miles during Peak Season, which was inaccurate according to the dates listed on the chart. Finally, the website is frequently down and/or difficult to navigate and actually speaking to someone on the phone is a 20 minute process. DO NOT FALL FOR THIS SCAM!… show more
Aug 22, 2019
Unfortunately, the restrictions and value of the miles accrued coupled with the annual fee makes this card a complete waste of time. Ive tried many times to get a live person on the phone...fat chance.
Jul 27, 2019
Unfortunately that card is useless in terms of miles and benefits. For example go to Spirit website and see the price list of how many miles you can buy for cash. And then compare it to the conversation ration they use when you try to pay with miles. Suddenly your 20 000 miles become $20. No foreign currency transaction fees which is a plus for travelers. However BofA is a joke when you encounter a problem with a card in anywhere outside US, it is impossible to get customer service on the phone. Also Zone 2 boarding is a lie; i flew around 8 times since getting that card never got Zone 2, usually 3 or 4.
By comparison I also have a 1.5% cashback card that has a set ratio and the tangible cash benefit is usually around $2000 actual dollars not some fiction miles.… show more
By comparison I also have a 1.5% cashback card that has a set ratio and the tangible cash benefit is usually around $2000 actual dollars not some fiction miles.… show more
Jun 10, 2019
This is THE WORST CREDIT CARD known to man. ZERO advantage. Avoid at all cost. I am waiting for the class action lawsuit.
Also you need activity every 3 months or you lose the miles that you can't redeem bc their website no longer gives card holders any benefit AT ALL!
Also you need activity every 3 months or you lose the miles that you can't redeem bc their website no longer gives card holders any benefit AT ALL!
May 23, 2019
Spirit airlines credit card "miles" is the biggest scam i ever encountered. We planned our vaca around their "off peak " calendar and the dates are charging us full peak miles so their own calendars are a lie trying once again to use our miles and they only offer us flights with layovers !! Making a 2hr trip from phl to Orlando TEN AND A HALF HOURS ... i guess we will literally never be able to use these miles. This card is a scam dont fall for it… show more
Sep 04, 2018
I had it for about 2 years, at the beginning it worked decent in relation of points to dollars when purchasing tickets, now they ask for triple the points it was 2 years ago (today is sept 2018) for example one flight that i can do for 10k points now it cost me 30,000 points no matter the date. Better to go with southwest airlines or chase saphire preffered wich allow you flight multiple airlines (i already cancelled my spirit dumb card) Ah also take in mind that is nearly impossible to talk to a real person when asking for customer service… show more
Sep 03, 2018
Spirit card, service and mileage needed for award trips all are ripoffs. If you have a Spirit Mastercard, Spirit miles chart shows 2,500 miles needed off-peek region one. Well try to find a trip to anywhere in the region at that time period (except for maybe one or two in a three month time period) and it will probably cost 25,000 miles. it didn't use to be that way but i called Spirit (not easy to do) and the rep with poor English gave me no help. i will use all of my miles asap and get rid of the card and the extra fee for the $9 fare club. That too is a waste.… show more
Jul 27, 2018
Verified Customer
I have had absolutely the worst experience and customers service with this credit card. I’ve had the card for 3 years and finally I’ve had enough. I called and canceled today. I had my card on auto pay and they canceled without ever notifying me. So when I see a mysterious late payment show on my credit report I was in complete shock. I have never, ever made a late payment to any card! When I call to figure out what happened the rep apologized and said he would get it resolved. He didn’t know why they didn’t notify me that auto pay had expired but you have to re enroll every year? First time I’ve ever heard of that but ok. He said he would submit a request to have it removed from my report. Someone would call me within the month to update me. I never received a call so I call back. Had to re-explain everything. This representative said that they were missing information on the request and filed it out with me again for a courtesy adjustment on my credit report. Was told someone would reach out to me again within the next two weeks with resolution. Again never received a call. Called back in today and had to wait on hold all over. Re-explain everything all over again. The representative had no idea what I was talking about. Customer service was absolutely poor. She told me I had to dispute with credit bureaus not them and they don’t do adjustments or something along those lines. I wasn’t disputing. I was looking to a courtesy adjustment because I was never notified and she just didnt seem to care. Canceled my card immediately after. Will never do business with BOA. I canceled a previous account with them before as well because of customer service. Stay far away!!!!!!… show more
Jul 26, 2018
This card IS A COMPLETE RIPOFF!
IF you are able to find a 2500 award miles trip, THE FEE IS JACKED UP well over the normal flights!!! In addition,
Paying $59 annual fee for the card and $69 fee for the 9 dollar fare club completes the ripoff!
IF you are able to find a 2500 award miles trip, THE FEE IS JACKED UP well over the normal flights!!! In addition,
Paying $59 annual fee for the card and $69 fee for the 9 dollar fare club completes the ripoff!
Jul 22, 2018
Terrible card as far as benefits. I’ve had this card for 18 months with 40,000 current miles (spent at least $12000 this far) and I can never use them. Whenever I book a flight and look up miles, one way to Las Vegas will be 37,500 miles plus $13.10 fee...the flight is only 86 each way. So I’m not cashing in 37500 miles to save $60. If this was even a 2% cashback card I would’ve have earned $240 so far....Not a good return whatsoever… show more
May 08, 2018
I was wary of doing business with Bank of America. After my first year of membership in their credit card program, I called to cancel the card. I was very distressed to learn that they do not refund the $59 annual fee. This is unlike other airline reward credit cards such as Chase (United Airlines) and Citi (American Airlines) which offer an annual fee refund if you cancel the card up to one or two months, respectively, after it appears on your statement. I am disappointed in both Bank of America for establishing such a policy and in Spirit Airlines for doing business with a bank which utilized such a consumer unfriendly policy.… show more
Mar 07, 2018
PLEASE,PLEASE FOR THE LOVE OF ALL THINGS HOLY! AVOID THIS CARD AT ALL COST! I understand limited spots per flight for card holder discounts,but if i go a full 9 months ahead, to the point where they stop taking reservations, and find not a single flight at that rate,I think FRAUD! there are no benefits to this card. Even the "Preferred Boarding" is a joke. Being that it is honestly the least organized of all carriers, boarding is free for all with no loading zones enforced. I am cancelling my card as I write this review. I have had the card for 4 years and saved my points only to have nothing resembling a benefit. To be clear, I am very flexible in all of the 5+ flights i have tried to book. Never have i found a discount to my benefit! Don't get me started on the cost of redeeming your "rewards" AVOID IT!… show more
Mar 04, 2018
What a joke! I went to book a one way flight from BDL to RSW and found it would cost me all of my free 1500 miles plus $43.10 compared to a cash price of only $49!!!!!! That makes a Spirit mile worth 0.4 cents, hardly worth all of the spam Siprit generates.
Jan 12, 2018
A week ago I attempted to purchase airline tickets online at Spirit.com. Transaction did not go through and it was immediately canceled, yet the $199 amount is still "pending" in my Spirit World MC at BofA! 7 days and still pending after it was immediately canceled upon transaction attempt! Called Spirit twice and spoke to rude agents from other countries who put the blame on BofA. Called BofA 3 times in past week and listen to them say it's Spirit's fault! Just now was told could take 14 BUSINESS days to fall off! LOL.... Funny how it only takes them a few hours to receive my payment but weeks to cancel a transaction that was CANCELED!
I've had this card for couple years and use it monthly to purchase flights. This is first time I had this problem. Sucks!… show more
I've had this card for couple years and use it monthly to purchase flights. This is first time I had this problem. Sucks!… show more
Nov 17, 2017
So unhappy with this card. They said if i opened it i would save 100 dollars as well as 15,000 air miles so i said ok why not. Later on get the card and they did not deduct the 100 dollars also the customer service rep I talked to so rude and nasty. Told me they were not deducting the 100 dollars because I didn't have a screenshot of the proof (why would I when spirit said it was automatically going to take the 100 off) you bet im going to close the card as soon as my payment is accepted.… show more
May 12, 2017
To begin with, I have a few credit cards in my name I immediately got approved for each time I applied. I have never been declined for a credit card or in a stage that needs review to process my credit app.
With Spirit Airlines credit card application though, I received a message stating it would take 25 - 35 days to process. This was a huge red flag for me. I decided to call Bank of America which is in charge of Spirit credit cards and ask them to cancel my credit app because I didn't get immediately approved like I expected. I was told that it got "declined" two days after I applied, but I received a message stating it would take way longer. What doesn't make sense to me was I changed my employment status from all other previous times but I have a 15k increase in income and no new acquired debt. I also didn't receive a phone call to verify any of my submitted information or was asked to provide additional information via phone or e-mail. I strongly suggest anyone looking to get this credit card to NOT apply and waste 1 hard inquiry for it.… show more
With Spirit Airlines credit card application though, I received a message stating it would take 25 - 35 days to process. This was a huge red flag for me. I decided to call Bank of America which is in charge of Spirit credit cards and ask them to cancel my credit app because I didn't get immediately approved like I expected. I was told that it got "declined" two days after I applied, but I received a message stating it would take way longer. What doesn't make sense to me was I changed my employment status from all other previous times but I have a 15k increase in income and no new acquired debt. I also didn't receive a phone call to verify any of my submitted information or was asked to provide additional information via phone or e-mail. I strongly suggest anyone looking to get this credit card to NOT apply and waste 1 hard inquiry for it.… show more
Mar 26, 2017
This is a fantastic card to get free flights for 2,500 mile during off-peak times if you live in a Spirit hub. This works out to $0.035 per mile! Join the $9 fare club and you can check up to a 40 lb. bag for $21 on top of your free flight +$5.60 booking fee. I've been flying Spirit for over 20 years now and fly two to five times a year to Myrtle Beach, Las Vegas, and Florida from Detroit. The miles add up quickly at 2 miles per $ spent plus you get 5,000 miles when you charge an average of $834 a month or $10K per year. It's best if you can plan a trip 6 months out if not it's only $15 charge if you book 21 days in advance.… show more
Jul 20, 2016
There is sooo much wrong with this card.
1. Preferred Boarding is Zone 2, Zone 1 is saved for those who PAY for luggage
2. I have 25,000 that will get me ONE one-way flight. Can't find a single flight this year for where i need to go and when. It is cheaper to buy a ticket than use the miles. Even trying to book when their chart says 2,500 Off-peak is a lie. There is nothing this year 2016 that lets me go to Los Angeles, Tampa, Orlando, Denver, DC, etc...for less than 25k miles :(. Ridiculous… show more
1. Preferred Boarding is Zone 2, Zone 1 is saved for those who PAY for luggage
2. I have 25,000 that will get me ONE one-way flight. Can't find a single flight this year for where i need to go and when. It is cheaper to buy a ticket than use the miles. Even trying to book when their chart says 2,500 Off-peak is a lie. There is nothing this year 2016 that lets me go to Los Angeles, Tampa, Orlando, Denver, DC, etc...for less than 25k miles :(. Ridiculous… show more
Jul 05, 2016
They lost my Spirit Air account to where my miles are going and I'm not getting help from either Spirit Air or BoA. :( Not very happy at all at the moment.
Jul 02, 2016
I looked into this card before I applied to see if it would be beneficial and it has been for me based on where I am flying from and to. I fly 1-2 times a month from FLL to BWI and most of my flights when purchased off peak with this card have only cost me 5,000 miles round-trip plus $26. That is amazing. I even already have a Dec flight booked that was the same amount of points and was only $11.20!!!! You do have to be somewhat flexible with dates as well. Spirit has all the resources available online for you to research BEFORE deciding to get this card. Bottom line is- do your homework and don't complain when it's not what you expected.… show more
Jun 17, 2016
The worst credit card in the world. Stay on the phone for 4 hours trying to get something accomplished !!!!
Jun 16, 2016
Caveat: I do not work for Spirit Airlines and agree that their customer service at times is not the best. Nevertheless...
If Spirit actually flies to your desired destinations, then you just need to understand how to utilize the rules to your benefit.
First of all, if you are husband and wife (or any travel pair), you can get 35K bonus miles (which is 15K for person #1, 15K for person #2 and 5K for person #1 referring person #2).
Detroit - Cancun roundtrip offpeak is 5,000 miles per person whereas a typical ticket is $300 - $400 per person. Do the math and decide when to pay in miles and when to pay in cash.
Secondly, your miles have the most value when you use them off-peak. Look at the off-peak schedule and travel only during that time (if possible).
You can also get partial savings. We booked a one-way to Punta Cana on a particular day using miles and a return flight on another airline using cash and the net cost is less than a roundtrip ticket using cash. Again, do the math!
Thirdly, be mindful of the rules. Use your card at least once a month, if only for a $5 purchase at McDonalds.
There is no downside to the card. There may be downside to Spirit Airlines in terms of customer service (sometimes) and charges for everything they deem extra - which is everything. Factor this into your travel costs and decide if another airline has a better deal (either financially or "emotionally").… show more
If Spirit actually flies to your desired destinations, then you just need to understand how to utilize the rules to your benefit.
First of all, if you are husband and wife (or any travel pair), you can get 35K bonus miles (which is 15K for person #1, 15K for person #2 and 5K for person #1 referring person #2).
Detroit - Cancun roundtrip offpeak is 5,000 miles per person whereas a typical ticket is $300 - $400 per person. Do the math and decide when to pay in miles and when to pay in cash.
Secondly, your miles have the most value when you use them off-peak. Look at the off-peak schedule and travel only during that time (if possible).
You can also get partial savings. We booked a one-way to Punta Cana on a particular day using miles and a return flight on another airline using cash and the net cost is less than a roundtrip ticket using cash. Again, do the math!
Thirdly, be mindful of the rules. Use your card at least once a month, if only for a $5 purchase at McDonalds.
There is no downside to the card. There may be downside to Spirit Airlines in terms of customer service (sometimes) and charges for everything they deem extra - which is everything. Factor this into your travel costs and decide if another airline has a better deal (either financially or "emotionally").… show more
10/27/16
Finally! Someone who knows how to use the Spirit Card. Thumbs up for this review.
I don't think some people understand what "off-peak" seasons mean.
They try to book for summer flights and holiday weekends and wonder why they cant find flights for 2,500 miles. (insert pic of WTF-girl-meme here.)
Also, book more than 6 months in advance, and you don't have to pay any redemption fee, people!
I don't think some people understand what "off-peak" seasons mean.
They try to book for summer flights and holiday weekends and wonder why they cant find flights for 2,500 miles. (insert pic of WTF-girl-meme here.)
Also, book more than 6 months in advance, and you don't have to pay any redemption fee, people!
May 26, 2016
Worse credit card ever. I have had good experiences with Frontier and United credit cards (got a free round trip with both of them). I could never used my miles with Spirit because they make it impossible for you to get a ticket. Then I tried to use my 20.000 miles to get magazine subscriptions (not that I wanted really) and they canceled all my miles and said I needed to get 200 miles in the next two months to be able to get the miles back. Worse customer service and worse airline too, I won't recommend anybody to get involved with Spirit.… show more
May 18, 2016
Its true, this is the worst card. You get free miles which you can never use because it is chepaer without card. I have got 30000 miles for nothing.
May 14, 2016
NEVER PURCHASE THIS CARD!!! I was sold on 15,000 free miles. 100% of the time, it has been cheaper WITHOUT using the card! This card is a SCAM and this is a penny pinching airline!
May 04, 2016
The website makes it seem you can apply and use the benefits/perks for the $9 instantly... you cannot because there is no credit card information generated. So they run your credit and then, once you get the card in the mail, then you can start using. All the pop ups trying to get you to apply are misleading.
May 02, 2016
A ticket Chicago-Baltimore $34 regular... Special price for card holders $2,500 miles plus $55.60. Do I need to say more?
Feb 11, 2016
Since I have a flexible schedule I can fly at low mileage days. September through April I fly all over central america and the islands and always less than $100 round trip. At least once a month. Detroit to Cancun is $48. Hint: look for the black triangle on the mileage calendar. This winter already been to Mexico 3 times, Panama and Honduras.
06/16/16
Glad to hear a positive comment. It's all about two things. Does Spirit fly to your destination and can you schedule your flight around off peak schedule.
Jan 23, 2016
DO NOT USE THIS CARD. This is the worst rewards card that I have ever seen. In addition to an annual fee, the points are valued at approximately $.005. If you pay with points and fly during regular or peak times, a normally $300 round trip ticket will cost you 30,000 points each way. Literally, this is the worst points value that I have ever seen. By the way, after you redeem points for tickets, you still need to pay around $100.00 in taxes and fees per ticket.
You are way better off with Chase Ultimate Rewards, Capital One Venture, Amex, Barclays, or pretty much any other rewards card provider.
The only reason that I even signed up for this card is because the flight attendant on the flight blatantly lied about points value. She presented it as though I could get a round trip flight after spending around $2500.00.
Also, the airline charges fees for anything and everything. I'm surprised that they don't charge you for wearing shoes on the plane. Seriously, look up some of the ridiculous fees.… show more
You are way better off with Chase Ultimate Rewards, Capital One Venture, Amex, Barclays, or pretty much any other rewards card provider.
The only reason that I even signed up for this card is because the flight attendant on the flight blatantly lied about points value. She presented it as though I could get a round trip flight after spending around $2500.00.
Also, the airline charges fees for anything and everything. I'm surprised that they don't charge you for wearing shoes on the plane. Seriously, look up some of the ridiculous fees.… show more
Oct 31, 2015
DO NOT GET THIS CARD!!!! I repeat DO NOT GET THIS CARD!!!! I signed up with spirit as one of their promotions while I was on one of their flights. At first I was told that just by signing up I get 15,000 miles. I signed up because I was short on cash and didn't have a return ticket back home yet. When I later called to see if I can redeem the miles, I found out that my miles would become available after the first purchase. Well ok, that's reasonable. So, when my card came in I made a purchase on it and called them back again to redeem my miles. THEIR STORY CHANGED A SECOND TIME! Now all of a sudden I find out that my miles wouldn't be available until after my first billing cycle. Wtf, I have to go home. I thought whatever, I'm going to be flying again soon anyway, I can use my miles at that point. Well now it's been a month and a half later, I'm trying to use my miles (which should be 15,150 by now) and it shows that I have 0 miles in my account! When I call them THEY CHANGE THEIR STORY A THIRD TIME! Now all of a sudden they want me to wait until after the second billing cycle. When I told them I feel like I'm being scammed they said no because I signed the terms and agreements. I READ THE TERMS AND AGREEMENTS FROM BEGINNING TO END AND IT SAID NOTHING OF WHAT THEY'RE TELLING ME ON THE PHONE! Its been over two months after I signed up and they want me to wait another month. I just want what was promised to me!… show more
Oct 14, 2015
I received offer while purchasing tix on spirit website.Lured by the $100 discount if spending $500 within 90 days and miles right off the bat. I applied and wanted to use card for my spirit purchase.
I have a 785 credit score and was not immediately approved wich kind od ruined the whole purpose of applying.I tried 3 times to cxl my application but was not able to find someone who could do that.
Just saying...
I have a 785 credit score and was not immediately approved wich kind od ruined the whole purpose of applying.I tried 3 times to cxl my application but was not able to find someone who could do that.
Just saying...
Sep 09, 2015
Was supposed to get $50 booking credit when applying for card, was charged full amount no credit given
Sep 03, 2015
Like most people, i only write a review if something is extraordinarily bad for really fantastic. I'm writing this review because this is the worst credit card/ customer service I have ever received in my life. I mean absolutely ridiculous. STAY AWAY!! Bank of America is horrible. I have had people tell me the same thing. I look at the rating of 3.6 from about 200 reviewers at the time I'm writing my review and I think "all the positive reviews must have been written by BOA employees", read BOGUS REVIEWS. Like I said---STAY AWAY.… show more
Jun 24, 2015
Horrible card. Horrible service. Incompetent people. Can't get ANYTHING resolved. Stay away from Spirit and its incompetent credit cards partners.
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Last updated on: Dec 6th, 2021 at 07:49 ET
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Dec 6th, 2021 at 07:49 ET