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Free Spirit® Travel Mastercard® from Bank of America Review

Free Spirit® Travel Mastercard® from Bank of America — all information about the credit card.

Updated October 24, 2023
Advertiser Disclosure Our Methodology
Bank of America Free Spirit® Travel Mastercard®
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Our Rating:
4.51 out of 5
scorer
Recommended credit score
Good (670-739)
  • Rewards Rate:
    • 5,000x Points each anniversary after making at least $10,000 in purchases within the prior anniversary year.
    • 2x Points per dollar spent on eligible Spirit purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 10,000x Bonus Points after making at least $500 in purchases within the first 90 days of account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    20.24% - 28.24% Variable
  • Balance Transfer APR:
    20.24% - 28.24% Variable
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Bank of America Free Spirit® Travel Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5000X
All other purchases
$
2X
Spirit purchases
$
Have you already recieved the Bank of America intro bonus?
How would you like to redeem points?
Calculate
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All benefits

  • Points
    • 5,000x Each anniversary after making at least $10,000 in purchases within the prior anniversary year.
    • 2x On eligible Spirit purchases.
    • 1x On all other purchases.
  • Travel
    • Zone 2 Shortcut Boarding:
    • On all flights.
    • 25% Get a 25% rebate on all inflight food and beverage purchases when you pay with your new card.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 20.24% - 28.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 20.24% - 28.24% Variable
  • APR for Cash Advances
    • 23.24% - 29.24% Variable (for Direct Deposit and Check Cash Advances)
      29.24% Variable (for Bank Cash Advances)
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty Fees
    • Up to 29.99%
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Travel
  • Airline
  • Good Credit

About the issuer

Bank of America
Bank of America has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Recommended credit score
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Recommended credit score
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See Another Credit Cards in the Bank

Bank of America Free Spirit® Travel Mastercard® is an option for those, who need Classic features. With an APR of 20.24% - 28.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good (670-739) credit score. With Bank of America Free Spirit® Travel Mastercard® you will get such features as No Annual Fee, No foreign transaction fees, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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