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
Learn more
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
Your Results
Total yearly earnings
First year rewards
$63130.2
Rest years rewards
$63025.2
Annual fee
$0
Yes, Bank of America Free Spirit® Travel Mastercard® credit card is worth its annual fee!
How to maximize your Bank of America Free Spirit® Travel Mastercard® rewards?
Follow these simple steps to make the most of Bank of America Free Spirit® Travel Mastercard® credit card:
- Spend more on All other purchases
- Redeem most of your points for Travel purchases at Spirit Airlines
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Bank of America Free Spirit® Travel Mastercard®.
Your net profit in the first year
$63,130.2
x23382
Your net profit in subsequent years
$63,025.2
x23343
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You will receive 6,012,400 points in the first year (equivalent to $63,130.2)
Where you get the most profit
- All other purchases
- Spirit purchases
- Into bonus
All other purchases
$63,000
Spirit purchases
$25.2
Into bonus
$105
Total
$63,130.2
Annual fee
$0
Net yearly credit card profit
$63,130.2
You will receive 6,002,400 points in the rest years (equivalent to $63,025.2)
Where you get the most profit
- All other purchases
- Spirit purchases
All other purchases
$63,000
Spirit purchases
$25.2
Total
$63,025.2
Annual fee
$0
Net yearly credit card profit
$63,025.2
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)
- 23.24% - 29.24% Variable (for Direct Deposit and Check 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
Pros & Cons
Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- No Intro APR period
Features
- No Annual Fee
- No foreign transaction fees
- Payment Flexibility
- Rewards
- Bonus points
- Travel
- Airline
- Good Credit
About the issuer
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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Low income
First Access Visa® Card
Recommended credit score
No Credit History to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Earn 1% cash back rewards on payments made to your First Access Credit Card.
- NonePurchase Intro APR
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Total Visa® Card
Recommended credit score
Rebuilding Credit to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Cash Back on all purchases.
- NonePurchase Intro APR
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Unsecured
Milestone® Mastercard®
Recommended credit score
Poor to Good (300-739)
- $175Annual Fee
- 35.9%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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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.
Merrick Bank Secured Credit Card
Recommended credit score
No Credit History to Poor (0-579)
- $36Annual Fee
- 22.70%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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On Merrick Bank‘s site