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Side-by-side
Home Depot Commercial Revolving Charge Card vs Free Spirit Travel More World Elite Mastercard
Both are well-respected travel cards. The Home Depot Commercial Revolving Charge Card comes from Citi Retail Services at $0/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri at $79/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Home Depot Commercial Revolving Charge Card | Free Spirit Travel More World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $79 |
| Sign-up bonus | ||
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Citi Retail Services | Bank of Missouri |
| Card category | business | cashback |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Home Depot Commercial Revolving Charge Card
$0/yr ·
Read the full review
Free Spirit Travel More World Elite Mastercard
$79/yr ·
Editorial take: Free Spirit Travel More World Elite Mastercard
Common questions
- Which card has the bigger sign-up bonus, Home Depot Commercial Revolving Charge Card or Free Spirit Travel More World Elite Mastercard?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Home Depot Commercial Revolving Charge Card's $0 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
- The Home Depot Commercial Revolving Charge Card has no annual fee, so the question is whether the Free Spirit Travel More World Elite Mastercard's $79 fee is justified by its perks. If you'll use enough of the Free Spirit Travel More World Elite Mastercard's benefits to clear $79 in value annually, it's worth it; otherwise stick with the Home Depot Commercial Revolving Charge Card.
- Can I have both the Home Depot Commercial Revolving Charge Card and Free Spirit Travel More World Elite Mastercard?
- Yes, since they're from different issuers (Citi Retail Services and Bank of Missouri) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Home Depot Commercial Revolving Charge Card or the Free Spirit Travel More World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Home Depot Commercial Revolving Charge Card: no published min spend. Free Spirit Travel More World Elite Mastercard: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.