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$79
Annual Fee
50,000
Airline · Welcome Bonus
3X
Top Rate
Annual Fee
$79
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Spirit Airlines Free Spirit
Point Valuation
0.8–1 cpp (mid: 1)
Credit Required
Good to Excellent
Welcome Offer
50,000
Airline
Spend $1,000 in the first 90 months
3X
3x points on Spirit Airlines purchases including flights and inflight purchases
2X
2x points on dining purchases
2X
Earn 2X points on eligible grocery store purchases
Benefits & Perks
Program & Transfers
Fly More. Earn More. Fly Even More.
Spirit Free Spirit is the loyalty program of Spirit Airlines, an ultra-low-cost carrier known for bare-bones base fares with a la carte pricing for everything from bags to seat selection. The program uses a revenue-based earning model where members earn points based on dollars spent rather than miles flown, with particularly generous earning rates on ancillary purchases like bags and seats. The program features two elite status tiers beyond base membership: Silver (2,000 SQPs) and Gold (5,000 SQPs). Gold members enjoy the industry's highest earning rates at 10 points per dollar on fares and 20 points per dollar on ancillary purchases, plus valuable benefits like free checked and carry-on bags, complimentary onboard refreshments, and priority boarding. Spirit partners with Bank of America for co-branded credit cards that offer accelerated earning and help members earn Status Qualifying Points (SQPs) toward elite status. The program also features Points Pooling, allowing up to 8 members to combine their points for faster redemptions.
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Award flights start at 2,500 points for short domestic routes. Spirit uses dynamic pricing, so the points required vary based on route, demand, and travel dates. All flights show points pricing with no blackout dates.
Bilt Rewards is the only transferable points program that partners with Spirit Free Spirit. Spirit has no airline alliances or other transfer partners. The best way to earn Spirit points is through flying or using a Spirit co-branded credit card.
Media & Resources
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$79
Annual Fee
50,000
Airline · Welcome Bonus
3X
Top Rate
Annual Fee
$79
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Spirit Airlines Free Spirit
Point Valuation
0.8–1 cpp (mid: 1)
Credit Required
Good to Excellent
Welcome Offer
50,000
Airline
Spend $1,000 in the first 90 months
3X
3x points on Spirit Airlines purchases including flights and inflight purchases
2X
2x points on dining purchases
2X
Earn 2X points on eligible grocery store purchases
Benefits & Perks
Program & Transfers
Fly More. Earn More. Fly Even More.
Spirit Free Spirit is the loyalty program of Spirit Airlines, an ultra-low-cost carrier known for bare-bones base fares with a la carte pricing for everything from bags to seat selection. The program uses a revenue-based earning model where members earn points based on dollars spent rather than miles flown, with particularly generous earning rates on ancillary purchases like bags and seats. The program features two elite status tiers beyond base membership: Silver (2,000 SQPs) and Gold (5,000 SQPs). Gold members enjoy the industry's highest earning rates at 10 points per dollar on fares and 20 points per dollar on ancillary purchases, plus valuable benefits like free checked and carry-on bags, complimentary onboard refreshments, and priority boarding. Spirit partners with Bank of America for co-branded credit cards that offer accelerated earning and help members earn Status Qualifying Points (SQPs) toward elite status. The program also features Points Pooling, allowing up to 8 members to combine their points for faster redemptions.
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Award flights start at 2,500 points for short domestic routes. Spirit uses dynamic pricing, so the points required vary based on route, demand, and travel dates. All flights show points pricing with no blackout dates.
Bilt Rewards is the only transferable points program that partners with Spirit Free Spirit. Spirit has no airline alliances or other transfer partners. The best way to earn Spirit points is through flying or using a Spirit co-branded credit card.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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$79
Annual Fee
50,000
Airline · Welcome Bonus
3X
Top Rate
Annual Fee
$79
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Spirit Airlines Free Spirit
Point Valuation
0.8–1 cpp (mid: 1)
Credit Required
Good to Excellent
Welcome Offer
50,000
Airline
Spend $1,000 in the first 90 months
3X
3x points on Spirit Airlines purchases including flights and inflight purchases
2X
2x points on dining purchases
2X
Earn 2X points on eligible grocery store purchases
Benefits & Perks
Program & Transfers
Fly More. Earn More. Fly Even More.
Spirit Free Spirit is the loyalty program of Spirit Airlines, an ultra-low-cost carrier known for bare-bones base fares with a la carte pricing for everything from bags to seat selection. The program uses a revenue-based earning model where members earn points based on dollars spent rather than miles flown, with particularly generous earning rates on ancillary purchases like bags and seats. The program features two elite status tiers beyond base membership: Silver (2,000 SQPs) and Gold (5,000 SQPs). Gold members enjoy the industry's highest earning rates at 10 points per dollar on fares and 20 points per dollar on ancillary purchases, plus valuable benefits like free checked and carry-on bags, complimentary onboard refreshments, and priority boarding. Spirit partners with Bank of America for co-branded credit cards that offer accelerated earning and help members earn Status Qualifying Points (SQPs) toward elite status. The program also features Points Pooling, allowing up to 8 members to combine their points for faster redemptions.
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Award flights start at 2,500 points for short domestic routes. Spirit uses dynamic pricing, so the points required vary based on route, demand, and travel dates. All flights show points pricing with no blackout dates.
Bilt Rewards is the only transferable points program that partners with Spirit Free Spirit. Spirit has no airline alliances or other transfer partners. The best way to earn Spirit points is through flying or using a Spirit co-branded credit card.
Media & Resources
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Shopping | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Los Angeles to Chicago (ORD) nonstop | 2,500 | — | — | — |
| Newark (EWR) to San Juan (SJU) | 4,000 | — | — | — |
| Fort Lauderdale (FLL) to Kingston (KIN) | 4,500 | — | — | — |
| Los Angeles to Orlando (MCO) | 2,500 | — | — | — |
| Phoenix to Chicago nonstop | 2,500 | — | — | — |
| Atlanta to San Juan | 2,500 | — | — | — |
| Short domestic hops under 1,000 miles | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$79
Net Annual Value
-$79
Points expire after 12 months of account inactivity. Any qualifying activity resets the expiration clock for another 12 months. Qualifying activities include flying Spirit, redeeming points, earning points through partners, or holding a Spirit co-branded credit card (points never expire as long as the card account is open).
Yes. Free Spirit members with Silver or Gold elite status, or those who hold a Spirit co-branded credit card, can create a Points Pool. You can invite up to 8 friends and family members to join. All points accumulate into one pool, but only the Pool Pilot (creator) can redeem them.
There is no fee if you book more than 28 days before departure. Award flights booked within 28 days incur a $50 close-in booking fee per guest. This fee is waived for Free Spirit Silver and Gold elite members and primary cardholders of the Free Spirit Travel More World Elite Mastercard.
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Shopping | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Los Angeles to Chicago (ORD) nonstop | 2,500 | — | — | — |
| Newark (EWR) to San Juan (SJU) | 4,000 | — | — | — |
| Fort Lauderdale (FLL) to Kingston (KIN) | 4,500 | — | — | — |
| Los Angeles to Orlando (MCO) | 2,500 | — | — | — |
| Phoenix to Chicago nonstop | 2,500 | — | — | — |
| Atlanta to San Juan | 2,500 | — | — | — |
| Short domestic hops under 1,000 miles | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$79
Net Annual Value
-$79
Points expire after 12 months of account inactivity. Any qualifying activity resets the expiration clock for another 12 months. Qualifying activities include flying Spirit, redeeming points, earning points through partners, or holding a Spirit co-branded credit card (points never expire as long as the card account is open).
Yes. Free Spirit members with Silver or Gold elite status, or those who hold a Spirit co-branded credit card, can create a Points Pool. You can invite up to 8 friends and family members to join. All points accumulate into one pool, but only the Pool Pilot (creator) can redeem them.
There is no fee if you book more than 28 days before departure. Award flights booked within 28 days incur a $50 close-in booking fee per guest. This fee is waived for Free Spirit Silver and Gold elite members and primary cardholders of the Free Spirit Travel More World Elite Mastercard.
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Shopping | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Los Angeles to Chicago (ORD) nonstop | 2,500 | — | — | — |
| Newark (EWR) to San Juan (SJU) | 4,000 | — | — | — |
| Fort Lauderdale (FLL) to Kingston (KIN) | 4,500 | — | — | — |
| Los Angeles to Orlando (MCO) | 2,500 | — | — | — |
| Phoenix to Chicago nonstop | 2,500 | — | — | — |
| Atlanta to San Juan | 2,500 | — | — | — |
| Short domestic hops under 1,000 miles | 2,500 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$79
Net Annual Value
-$79
Points expire after 12 months of account inactivity. Any qualifying activity resets the expiration clock for another 12 months. Qualifying activities include flying Spirit, redeeming points, earning points through partners, or holding a Spirit co-branded credit card (points never expire as long as the card account is open).
Yes. Free Spirit members with Silver or Gold elite status, or those who hold a Spirit co-branded credit card, can create a Points Pool. You can invite up to 8 friends and family members to join. All points accumulate into one pool, but only the Pool Pilot (creator) can redeem them.
There is no fee if you book more than 28 days before departure. Award flights booked within 28 days incur a $50 close-in booking fee per guest. This fee is waived for Free Spirit Silver and Gold elite members and primary cardholders of the Free Spirit Travel More World Elite Mastercard.
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