10 Best Credit Cards for Spirit Airlines of October 2026
Top picks for Spirit Airlines from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Spirit Airlines, after spend caps. Order can differ from that column because ranking adds the adjustments above.
The Platinum Card from American Express earns the top spot for Spirit Airlines purchases at 7.5¢ per dollar on flights — a $895 annual fee. We ranked every card in our database against Spirit Airlines purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
The Platinum Card from American Express
American Express
- +5x on Flights — points worth 1.5¢ each
- +Annual fee $895. Other listed credits: Digital Entertainment Credit (up to $300/yr); Equinox Credit (up to $300/yr); Lululemon Credit (up to $300/yr); Oura Ring Credit (up to $200/yr); Resy Restaurant Credit (up to $400/yr); Walmart+ Membership Credit (up to $155/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Airline Fee Credit (up to $200/yr); CLEAR Plus Credit (up to $219/yr); Fine Hotels + Resorts / Hotel Collection Credit (up to $600/yr); Global Entry or TSA PreCheck Credit (up to $120/4yr); Premium Car Rental Protection (Optional); Car Rental Loss and Damage Insurance; Trip Cancellation and Interruption Insurance; Trip Delay Insurance; Uber Credit (up to $200/yr); Uber One Membership Credit (up to $120/yr); Premium Global Assist Hotline; Platinum Travel Service — not counted in estimated value or ranking; eligible use has not been established
Chase Sapphire Reserve
Chase
- +4x on Flights booked direct — points worth 1.8¢ each
- +Annual fee $795. Other listed credits: Exclusive Tables Dining Credit (up to $300/yr); StubHub & viagogo Credit (up to $300/yr); Apple TV and Apple Music Subscriptions (up to $27/mo); DoorDash DashPass & Credits (up to $35/mo); Peloton Credits & Bonus Points (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Annual Travel Credit (up to $300/yr); The Edit by Chase Travel Hotel Credit (up to $500/yr); Air Canada Maple Leaf Lounge Access; Global Entry or TSA PreCheck Credit (up to $120/4yr); Lyft Monthly Credit (up to $10/mo); Primary Rental Car Insurance; Priority Pass Select Membership; Roadside Assistance; Chase Sapphire Lounge by The Club; Travel Accident Insurance; Travel and Emergency Assistance Services; Reserve Travel Designer — not counted in estimated value or ranking; eligible use has not been established
Wells Fargo Autograph Journey Visa Credit Card
Wells Fargo
- +4x on Flights booked direct — points worth 1.4¢ each
- +$50 annual statement credit (up to $50/yr); Travel and Emergency Services Assistance; Auto Rental Collision Damage Waiver — not counted in estimated value or ranking; eligible use has not been established
- +60,000 points bonus (~$870 value)
Why The Platinum Card from American Express wins for Spirit Airlines
The Platinum Card from American Express earns 7.5¢ per dollar on flights when you shop at Spirit Airlines, the highest marginal rate in our list for this brand. At 7.5¢ per dollar, rewards cover the $895 fee after about $11,930 a year in Spirit Airlines spending. To come out ahead of Chase Freedom Flex (5.4¢), you'd need about $42,620 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Flights Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmerican Express | 5x Membership Rewards | 7.5¢/$ | $895 | — | amex |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 7.2¢/$ | $795 | — | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 4x Wells Fargo Rewards | 5.8¢/$ | $95 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 5x Capital One Miles | 6.5¢/$ | $395 | — | visa |
| Chase Freedom FlexChase | 5x Ultimate Rewards | 5.4¢/$ | $0 | — | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| U.S. Bank Altitude Connect Visa Signature CardU.S. Bank | 4x U.S. Bank Altitude Rewards | 4.0¢/$ | $0 | — | visa |
| BMO EscapeBMO | 4x points | 4.0¢/$ | $150 | — | mastercard |
| Bilt Obsidian CardCardless | 2x Bilt Rewards | 4.0¢/$ | $95 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.3¢/$ | $0 | — | visa |
More Options
How to maximize value at Spirit Airlines
- Use The Platinum Card from American Express for Spirit Airlines purchases — it earns 7.5¢ per dollar on flights at Spirit Airlines in our scoring.
- Shopping portals sometimes offer extra rewards at Spirit Airlines; check current portal rates before you buy.
- Pair The Platinum Card from American Express with Chase Sapphire Reserve to cover categories where it earns more — diversifying your spend can lift your blended return.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Frequently asked
- What credit card earns the most at Spirit Airlines?
- The Platinum Card from American Express ranks #1 for Spirit Airlines in our list at 7.5¢ per dollar on flights (including Spirit Airlines) — $895 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Spirit Airlines?
- Shopping portals sometimes offer extra rewards at Spirit Airlines; check current portal rates before you buy.
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