Free Spirit® Travel More World Elite Mastercard® from Bank of America Review
Free Spirit® Travel More World Elite Mastercard® from Bank of America — all information about the credit card.
Updated March 12, 2025
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Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 3x Points per $1 spent on eligible Spirit purchases.
- 2x Points per $1 spent on eligible dining and grocery store purchases.
- 1x Point per $1 spent on all other purchases.
- Intro Offer:
- 50,000x Bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.
- Annual Fee:$0 for the first year
$79 thereafter - 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 More World Elite Mastercard® Rewards Calculator
Your Results
Total yearly earnings
First year rewards
$625.8
Rest years rewards
$100.8
Annual fee
$0
Yes, Bank of America Free Spirit® Travel More World Elite Mastercard® credit card is worth its annual fee!
How to maximize your Bank of America Free Spirit® Travel More World Elite Mastercard® rewards?
Follow these simple steps to make the most of Bank of America Free Spirit® Travel More World Elite Mastercard® credit card:
- Spend more on Spirit 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 More World Elite Mastercard®.
Your net profit in the first year
$625.8
x232
Your net profit in subsequent years
$21.8
x8
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You will receive 59,600 points in the first year (equivalent to $625.8)
Where you get the most profit
- Spirit purchases
- Dining
- Groceries
- All other purchases
- Into bonus
Spirit purchases
$37.8
Dining
$25.2
Groceries
$25.2
All other purchases
$12.6
Into bonus
$525
Total
$625.8
Annual fee
$0
Net yearly credit card profit
$625.8
You will receive 9,600 points in the rest years (equivalent to $100.8)
Where you get the most profit
- Spirit purchases
- Dining
- Groceries
- All other purchases
Spirit purchases
$37.8
Dining
$25.2
Groceries
$25.2
All other purchases
$12.6
Total
$100.8
Annual fee
$79
Net yearly credit card profit
$21.8
All benefits
- Points
- 3x On eligible Spirit purchases.
- 2x On eligible dining and grocery store purchases.
- 1x On all other purchases.
- Travel
- Zone 2 Shortcut Boarding:
- On all flights.
- 25% Rebate on all inflight food and beverage purchases when you pay with your 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% - 28.24% Variable (for Direct Deposit and Check Cash Advances)
28.24% Variable (for Bank Cash Advances)
- 23.24% - 28.24% 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 for the first year
$79 thereafter
- $0 for the first year
- 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 Foreign Transaction Fee
Cons:
- Annual Fee
- No Intro APR period
Features
- No foreign transaction fees
- Payment Flexibility
- Fraud Protection
- Rewards
- Bonus points
- Purchase Protection
- Travel
- Airline
- Good Credit
- Excellent 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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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
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- 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
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- NonePurchase Intro APR
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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 More World Elite 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 to Excellent (670-799) credit score. With Bank of America Free Spirit® Travel More World Elite Mastercard® you will get such features as No foreign transaction fees, Payment Flexibility, Fraud Protection, 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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