USES

Free Spirit® Points Mastercard® from First Bank & Trust Review

Free Spirit® Points Mastercard® from First Bank & Trust — all information about the credit card.

Updated October 08, 2024
Advertiser Disclosure Our Methodology
First Bank & Trust Free Spirit® Points Mastercard®
Apply now
Our Rating:
3.27 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 2x Points on Spirit purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 5,000x Bonus points after spending $500 on purchases within the first 90 days of account opening.
  • Annual Fee:
    $0 - $79 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    29.99% Variable
Show more

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First Bank & Trust Free Spirit® Points Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Spirit Airlines purchases
$
1X
All other purchases
$
Have you already recieved the First Bank & Trust intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 2x On Spirit purchases.
    • 1x On all other purchases.
  • Travel
    • Early boarding:
    • Enjoy early boarding with shortcut boarding in Zone 2.
    • 25% Rebate on food and beverage purchases on Spirit flights when you use your Free Spirit® Mastercard®.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing period. You will not be charged any interest on Purchases if you pay your entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

  • Annual Fee
    • $0 - $79 annually
  • Fees for Balance Transfer
    • Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • Travel perks
  • No cap on the points you can earn
Cons:
  • High APR
  • Annual Fee
  • No Intro Period

Features

Classic
Mastercard
Contactless
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Travel
  • Airline
  • Fair Credit
  • Good Credit

About the issuer

First Bank & Trust
First Bank & Trust 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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See Another Credit Cards in the Bank

First Bank & Trust Free Spirit® Points Mastercard® is an option for those, who need Classic features. With an APR of 29.99% and $0 - $79 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With First Bank & Trust Free Spirit® Points Mastercard® you will get such features as Payment Flexibility, Rewards, Bonus points, 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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