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Spirit Airlines™ World Mastercard® for Business Credit Card

T.L. Rob
Updated on: 01/14/2019
RE®: 65
Our Rating
Spirit Airlines™ World Mastercard® for Business Credit Card
Compare Airline Cards
For excellent/good credit
  • 70
    for Spirit Airlines users
  • 60
    for Frequent Flyers
  • 65
    for Everyday Use

"Spirit Airlines customers will rack up free flights fast with this business card, earning two miles for every dollar spent."

Business owners have even more choices than before when it comes to credit cards with travel rewards. Even ultra-low-cost carriers attempt to lure in frequent flyers with co-branded credit cards, so if you fly Spirit Airlines often, their World MasterCard for Business card may be for you.

The main benefit of having an airline card is to earn that airline’s miles on your everyday purchases, and the Spirit business credit card is no different. However, this card doesn’t offer the same set of benefits that many other airline cards do, and their loyalty program has some distinct quirks that could either be to your benefit or your detriment. Like Spirit’s business model, their card doesn’t come with all the bells and whistles you might expect from an airline credit card.

You may still be able to get good value out of this card, depending on your travel habits and if Spirit serves your preferred airports. Let’s take a closer look at the pros and cons of this card and the Free Spirit frequent flyer program.

Bonuses & Benefits of Spirit Credit Card

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Spirit Airlines™ World Mastercard® for Business Credit Card offers and the value of the Bank of America miles you earn.


One nice perk about the Spirit business card is that you earn the sign-up bonus after a single purchase. That’s right, after one purchase of any amount, you’ll earn 15,000 miles. It doesn’t get any easier than that, but just know you need to make that purchase within six weeks of getting approved for the card. Plus, if you spend at least $10,000 on the card each year, you can earn an additional 5,000 miles.

While this may not seem like a lot, the sign-up bonus alone could get you as many as three roundtrips if you travel during off peak times. No additional miles are awarded for adding authorized users or employee cards to your account, but every purchase earns double miles.

What You Get

  • Earn 15,000 miles after making your first purchase within six weeks of getting the card
  • Get 5,000 miles every year you spend at least $10,000
  • 2 miles per dollar spent for all purchases
  • Preferred boarding and priority check-in on Spirit flights

One major downside of Spirit’s loyalty program is that your miles can expire quickly. If there are no miles credited to your loyalty account for three consecutive months, your oldest miles will expire. However, if you fly Spirit regularly or have a Spirit credit card, regular mileage accrual will prevent your miles from disappearing. Unlike many other programs, redeeming miles does not qualify as activity to keep miles from expiring. Only mileage accrual keeps them active.

The Value of Free Spirit Miles

Spirit’s frequent flyer program, Free Spirit, is distance-based and multi-tiered. There are multiple peak and off-peak travel periods throughout the year, and the distance in miles of your flight will determine the price for an award.

There are three tiers for non-cardholders, while cardholders get a fourth tier which is the cheapest redemption option. However, Spirit’s terms and conditions don’t stipulate when the most expensive redemption tier will apply or when the lowest tier is available.

Because Spirit only offers one class of service and award travel only covers your base fare, redeeming miles for a premium cabin is not an option. Further, since the award chart is distance-based, domestic versus international travel does not play a direct role in deciding the cost of your award ticket.

Sign-up Bonus
Flight Type
Average CPM
Economy · Domestic1.37cpm$206
Economy · International1.06cpm$159

What is CPM and How Is It Calculated?

Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.

How we calculate CPM:

The final result:

The Best Ways to Redeem Free Spirit Miles

Free Spirit awards are partially seasonal and partially distance-based redemptions. The best value and way to stretch you miles is for flights under 1,250 miles that can be redeemed for only 2,500 miles. All redemptions are priced as one-way tickets.

Your miles cover only the base fare and not any additional fees that Spirit imposes, but the only tax you’ll need to pay is just $5.60 for the September 11 security fee (for flights that originate in the U.S.). This can be a very good value if you can successfully avoid Spirit’s other fees. However, if there’s only peak or premium space available, the number of miles you’ll need for an award ticket can be quite high.

Roundtrip Domestic

  • Atlanta


    Economy class
    Miles price
    +$26.2 fee
    Dollars price
  • Baltimor
     Las Vegas

    Baltimor Las Vegas

    Economy class
    Miles price
    +$26.2 fee
    Dollars price
  • Detroit


    Economy class
    Miles price
    +$26.2 fee
    Dollars price

Roundtrip International

  • Punta Cana

    Punta CanaAtlanta

    Economy class
    Miles price
    +$161.72 fee
    Dollars price
  • Atlantic City

    Atlantic CityCancun

    Economy class
    Miles price
    +$100.81 fee
    Dollars price
  • Boston


    Economy class
    Miles price
    +$95.66 fee
    Dollars price

Other ways you can redeem miles

Hotel Stays

1 partners1 part.

You can earn points in the Free Spirit program by staying at Choice Hotels. Provide your membership number when you check in.

Car Rental

3 partners3 part.

Spirit partners with Avis, Hertz and Budget to allow you to earn miles for car rentals. There are frequently special promotions available offering bonus miles for rentals.


1 partners1 part.

Book a trip through Spirit Cruises and earn miles with Norwegian Cruise Lines, Carnival, Royal Caribbean and more.

Everyday Earnings with Spirit Airlines™ World Mastercard® for Business Credit Card

Earning miles with your Spirit Airlines Business credit card is very straightforward. Every purchase you make earns two miles per dollar, and there are no caps to the amount of miles you can earn. If you have employee cards, their purchases will also accrue miles at the same rate. While the value of these miles can vary quite a bit, this earnings rate is competitive.

Spirit Airlines World MasterCard Rewards

Your Monthly Charges
Rewards You Will Earn Annually
53,000miles$726in dollar value
Car Rental
Brand earn
All Other Purchases

You don’t have to think about spending with certain merchants, for travel or in other special categories with the Spirit Airlines Business card. Every purchase earns double miles.

Travel Benefits

Although nothing is free when you fly with Spirit, cardholders do get a couple benefits when flying on their yellow planes.

Priority Domestic Check-In

Use the priority check-in desk for every Spirit flight as an added benefit of having the Spirit business card.

Priority Boarding

You don’t have to pay a fee to get priority boarding as this perk also comes with your card.

Foreign Transaction Fee

Be careful when using your card abroad as a 3% foreign transaction fee will be applied to any transaction made outside the U.S. or in non-U.S. dollars.

Earn Elite Status Fast

Spirit Airlines does not have an elite program for frequent flyers. However, the rate at which you can earn miles when flying Spirit is tiered. If you’re a general Free Spirit member, you’ll earn 50 percent of the miles flown as redeemable miles. However, if you’re a Spirit cardholder, you’ll earn 100 percdent of the miles you fly. You also get these extra miles if you earn 12,000 miles within six months or spend $1,200 on base fares (not including taxes or fees) within the same timeframe.

  • Cardholders earn 100% of the miles they fly

Fees: the cost of Having Spirit Airlines™ World Mastercard® for Business Credit Card

A nice perk of the Spirit Business credit card is that the annual fee is waived the first year. After that, you pay just $59, which can be easily covered by the spending you put on the card and the value of the miles you earn. If we assume Free Spirit miles are worth 1.5 cents each, you’ll only need to spend $1,967 per year to earn enough miles to cover the fee. If you spend $2,000 on average each month, that’s only one month of spending. If you prefer to spread out that cost, you’d only need to make about $164 in purchases each month to cover the cost of the card. That’s not bad.

Another consideration is how the sign-up bonus compares to the cost of the card. Let’s again assume Free Spirit miles are worth 1.5 cents each. That means that the sign-up bonus is worth $225. Since the first year you have the card is free, that’s the equivalent of nearly five years worth of annual fees, and you earned this after just one purchase! If you can stretch your Spirit miles, this is a pretty good deal.

Annual Fee

$0 first year, then $59

Balance Transfer Fee

Either $10 or 4% of the amount of each transaction, whichever is greater

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment Fee

$19 if balance less than or equal to $100; $29 if $100.01 - $1,000; $39 if $1,000.01 - $5,000; $49 if greater than $5,000

See What It Takes to Cover an Annual Fee:

Your Average Monthly Spend
Months to Cover Annual Fee
2 months

Get anniversary bonus: 5,000 miles

You will receive 5,000 bonus points each anniversary year – enough to cover more than a half of the annual fee.


We strongly recommend to spend not less than $718 per months to cover the annual fee in three months.

Does the Card Pay for Itself?

We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the Spirit Airlines World MasterCard for Business credit card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.

These estimates are based on an annual monthly spend of $2,000

First Year

Signup Bonus
Anniversary Bonus
Everyday Rewards
Statement Credit
Free Bags
Foreign Transaction Fees
APRS Charges
Annual Fee
Rewards Earned First Year

Second Year

Signup Bonus
Anniversary Bonus
Everyday Rewards
Statement Credit
Free Bags
Foreign Transaction Fees
APRS Charges
Annual Fee
Rewards Earned Second Year

Top 5 Benefits of the Spirit Airlines World MasterCard for Business Credit Card

If you’re looking to quickly add miles to your Free Spirit account, this card can certainly help do that with its easy sign-up bonus and low annual fee. Let’s take a look at the best benefits of this card.

  1. Great Earning Potential: Earn double Spirit miles on every purchase every day. That’s nice and easy.
  2. No Blackout Dates: You can redeem your miles any time and for any flight, just remember that the number of miles you’ll need may vary.
  3. Sign-Up Bonus: While not the biggest bonus around, getting 15,000 Free Spirit miles after a single purchase is a quick way to pad your loyalty balance.
  4. Low Annual Fee: Compared to most airline cards, the $59 annual fee on the Spirit Airlines Business card is very reasonable, and best of all, the first year is free!
  5. Priority Check-In and Boarding: Check in faster and get on the plane sooner with these free benefits for cardholders.

Should You Get the Spirit Airlines World MasterCard for Business Card?

Some people swear by Spirit Airlines and its unbundled fares, and if they work for you, this card could make sense for your business. Base fares on Spirit can be unbelievably cheap, but adding on extras is where you can end up paying more than you bargained for. But, if you’re a business owner and Spirit flies where your business needs to go, this card could be a great choice.

The annual fee on this card is very reasonable, especially considering you earn double miles on every purchase. That can lead to a free ticket very quickly. However, if you’re not savvy enough of a traveler to navigate past some of the carrier’s high fees, the value of your rewards could be greatly diminished.

When it comes to flying with Spirit, you have to crunch the numbers to see if the total cost of the ticket makes sense, and the same is true with the Spirit Business credit card. If you can make Spirit’s frequent flyer program work for you, this card might just deserve a spot in your wallet.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • What’s the best way to keep my miles from expiring?

    Even if you fly Spirit regularly, there may come a time when you go a few months between flights, and your miles could disappear. An easy way around this is to you use your Spirit card to help earn miles.
    One way to automate your spending is to put one of your monthly bills on your card, like a gym or streaming service membership. That way, you’ll earn a few Free Spirit miles every month and you’ll never need to worry about them expiring.
  • What fees do I have to pay for Spirit’s award tickets?

    Spirit loves to point out “the government’s cut” when booking tickets on their website. Those same taxes apply when redeeming for award tickets on Spirit or any other airline. But while award flights on most carriers include an assigned seats and a carry-on bag, Spirit will charge you for all those unbundled services, even on a supposedly free award ticket.
  • Can I use Free Spirit miles toward fees for bags or priority seating?

    Unfortunately, you can’t. When you redeem miles for a free trip, your miles will pay your base fare but nothing else. And, you cannot redeem miles to offset baggage fees or choose your seat.
  • Is it worth it to add employee cards?

    In addition to the annual fee, you have to pay $20 per card to add employees to your account. Depending on how much they spend, the value of the miles they earn may negate the fee, so consider how much spending they do on an annual basis.
Have A Question?
Ask our credit card expert!

Compare Spirit Credit Cards

Bank of America offers two Spirit Airlines credit cards: one for the everyday consumer and one for small business owners. The cards are very similar.

Spirit Airlines™ World Mastercard® for Business Credit Card
For Excellent/Good Credit
Check which Bank of America card is the right fit for you
Compare Airline Cards

Other Spirit cards

Spirit Airlines™ World Mastercard®Spirit Airlines™ World Mastercard®
Sign-up bonus15,000 miles15,000 miles
Annual Fee

$0 first year, then $59

$0 first year, then $59

APR On Purchases14.49% to 24.49% Variable±14.49% to 24.49% Variable±
Foreign Fee3%3%
Bonus Value$206$206
Second Year Value$726$726

The Spirit cards have almost identical benefits, but there are certain options geared toward business owners included with the business version of the card. Cash flow management tools are available through Bank of America’s website to help keep track of your spending, employee purchases and to help categorize your expenses. Meanwhile, the personal card offers more protection benefits, like a free FICO scores.

Compare Spirit Airlines World MasterCard for Business Card to Other Cards

Airline credit cards are among the most popular rewards cards out there and just about every carrier offers one. The cards below all offer sign-up bonuses good toward your next free flight, and they all offer some sort of anniversary bonus if you’re eligible. Let’s take a closer look.

15,000miles offer
Spirit Airlines™ World Mastercard® for Business Credit Card

Check if Spirit Airlines™ World Mastercard® for Business Credit Card is the best option for you

Of this group, the Spirit Airlines Business card is the only one that waives the annual fee for the first year, and it also has the smallest fee. While its sign-up bonus is the smallest in terms of the number of miles, it can actually get you the most free flights if you redeem at the lowest saver level. On top of that, it’s the only card that earns double miles on every purchase. Its competitors only offer double miles when making purchases with their respective airlines.

Another difference among these cards is that Hawaiian Airlines’ frequent flyer program is the only one where you can redeem miles on partner airlines. That’s a major consideration because with the other carrier’s loyalty programs, you’re locked into one airline. The downside to Hawaiian Airlines, however, is that it primarily serves Hawaii. That’s great if you live or want to go there, but not so great for travel to the rest of the United States.

Southwest stands out because they never charge bag fees. And while Southwest points don’t have a fixed redemption rate, their program is the only one in our chart that is revenue-based. Another big plus to their program is that they don’t charge change fees, which can save you some serious cash if you have to change your family vacation.

Looking at Frontier, they’re another ultra-low-cost carrier. Unlike the Spirit card, you don’t get any additional fees waived by being a card member, but your miles don’t expire as quickly (you have six months instead of three to keep them active). Their card is also the only one of this group that offers a 0% intro APR on balance transfers.

As you can see, these cards (and their associated airlines) are very different. Unlike other travel rewards cards, you should probably take a close look at the airline before signing up, especially since some of their miles expire very quickly.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details

Excellent credit score
From 700 to 850
Bank of AmericaBank of America
Use miles
Pay with points

Flight Features

Available airline
Spirit AirlinesSpirit Airlines
Loyalty Program
Flights Type
Domestic and International
Not a member

Travel Partners

Car Rental

Card Terms and Conditions

While it's easy to focus on the rewards offered by the Spirit Airlines World MasterCard for Business Credit Card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this MasterCard.


Intro APR:
Intro APR for balance transfers:
Ongoing APR:
14.49% to 24.49% Variable±
Minimum Grace Period:
25 days
Price Protection:
Shop with peace of mind knowing your World MasterCard receives 120-day protection in the event the price of an item you buy drops.

Cash Advance Features

Ongoing APR:
25.74% Variable±
Cash Advance Fee:
Either $10 or 4% of the amount of each transaction, whichever is greater (exception below); Overdraft Protection Cash Advance (if enrolled): Either $10 or 3% of the amount of each transaction, whichever is greater

Security and Protections

Like many Bank of America cards, the Spirit Airlines credit card offers certain security benefits. These include fraud monitoring and zero liability protection against unauthorized transactions.

Banking On the Go:
Stay on top of your account with the Bank of America mobile app that’s free to download.
EMV Chip Technology:
Use your card anywhere as it comes with a chip for greater global acceptance and enhanced security at merchants that use chip-enabled terminals.
Overdraft Protection Cash Advance:
Link your card to your business checking account to help cover unexpected debits. A $12 fee for each transaction may apply.

Mobile Banking

As a Bank of America customer, you have access to all their online and mobile tools to manage and use your card. From their award-winning mobile app to their easy-to-use mobile website, it’s easy to check on your card anywhere. And with a big bank like BofA, they’re always updating their online features and integrating with new technologies, like Apple Pay and Samsung Pay.

Apple Pay, Android Pay and Samsung Pay: 
Add your Spirit Airlines business card to these popular mobile platforms to be able to make purchases without your card.
Bank of America App:
It’s free to download and free to use. It’s a great way to keep track of all your BofA credit cards, bank accounts and more.

Additional Cardholder Benefits

The Spirit Airlines Business card is a World MasterCard that comes with exclusive benefits through MasterCard. These are separate from what Spirit Airlines and Bank of America offer and include concierge services and price protection.

Master Card Travel Benefits

Concierge Services:
Call MasterCard to be connected to special concierge reps who can assist with special gifts, tickets to events, restaurant reservations and more.
World Luxury Hotels:
When booking with participating hotels, you’ll be eligible for room upgrades, free breakfast and extra amenities.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.