Free Spirit Travel More World Elite Mastercard

Key Benefits

All Benefits

• Welcome offer of 40,000 bonus Free Spirit Points after spending $1,000 on net purchases within the first 90 days of account opening, per the Free Spirit Travel More World Elite Mastercard product page on spirit.com/free-spirit/credit-card and the issuer Bank of Missouri Terms and Conditions linked from that page (at Free Spirit Points valued near 1.0 to 1.1 cents per point by independent valuations, this welcome bonus is worth approximately $400 to $440 toward Spirit award travel)
• $79 annual fee billed every cardmembership year (no introductory $0 first-year waiver), per the Free Spirit Travel More World Elite Mastercard product page Fee Summary and the Bank of Missouri Cardholder Agreement disclosure
• 3X Free Spirit Points per $1 on eligible Spirit Airlines purchases (tickets, bags, seat assignments, onboard purchases, and Spirit Vacations bookings), per the issuer Reward details on the Free Spirit Travel More World Elite Mastercard product page
• 2X Free Spirit Points per $1 on eligible dining purchases at restaurants (as determined by merchant category code), per the issuer Reward details on the Free Spirit Travel More World Elite Mastercard product page
• 2X Free Spirit Points per $1 on eligible grocery store purchases (as determined by merchant category code, excluding Target, Walmart, and warehouse clubs in line with standard issuer grocery MCC carve-outs), per the issuer Reward details on the Free Spirit Travel More World Elite Mastercard product page
• 1X Free Spirit Points per $1 on all other eligible net purchases, per the issuer Reward details on the Free Spirit Travel More World Elite Mastercard product page
• $100 Spirit Companion Flight Voucher each account anniversary year after the cardmember spends a qualifying threshold on the card (typically $10,000 in net purchases per cardmembership year per the most recent Bank of Missouri Reward Rules); voucher is valid for one companion on a paid Spirit-operated itinerary subject to applicable taxes, fees, and Spirit fare-rule restrictions, per the issuer Free Spirit Travel More World Elite Mastercard product page Benefit details
• Free Spirit Status Qualifying Points awarded on card spend to accelerate progress toward Free Spirit Silver, Gold, and Platinum Elite tiers in the Free Spirit loyalty program, per the issuer Free Spirit Travel More World Elite Mastercard product page Benefit details and the Free Spirit Elite Status program rules
• Award travel redemptions through the Free Spirit program with off-peak award pricing starting at low point levels on Spirit-operated flights (subject to availability, government taxes and fees, and Spirit fare-rule restrictions), per the issuer Free Spirit Travel More World Elite Mastercard product page Reward details and the Free Spirit program Terms and Conditions
• Free Spirit Points earned on the card never expire as long as the cardmember has card activity within the Free Spirit program's activity window (per the Free Spirit program Terms and Conditions referenced from the issuer product page); cardholder activity on the Free Spirit Travel More World Elite Mastercard counts as qualifying account activity to keep points alive
• No foreign transaction fees on international purchases (0% foreign transaction fee), per the Bank of Missouri Free Spirit Travel More World Elite Mastercard product page Fee Summary and Important Information disclosure
• World Elite Mastercard network tier issued by The Bank of Missouri pursuant to a license from Mastercard International Incorporated, per the issuer Free Spirit Travel More World Elite Mastercard product page Important Information disclosure (the issuer Reward Rules do not enumerate Mastercard-network travel protections; protections that are not explicitly called out by the issuer should not be assumed to apply to this co-brand)
• Mastercard ID Theft Protection through the World Elite Mastercard network benefits suite (identity monitoring and resolution services), per the standard Mastercard World Elite Guide to Benefits referenced by the Bank of Missouri product disclosures (network-level benefit that is not card-specific to the Free Spirit co-brand and is administered by Mastercard rather than the issuer)
• $0 Fraud Liability protection on unauthorized transactions through Mastercard Zero Liability, per the Bank of Missouri Free Spirit Travel More World Elite Mastercard product page Benefit details and the standard Mastercard Zero Liability network policy
• Spirit Saver$ Club / Spirit fare-bundle discounts and ancillary perks: Not Offered as a card-level benefit (the Free Spirit Travel More World Elite Mastercard product page does not bundle Saver$ Club membership or fare-bundle waivers with cardmembership; Saver$ Club is a separately purchased Spirit membership product)
• Free checked bag benefit on Spirit-operated flights as a stand-alone card perk: Not Offered (the Free Spirit Travel More World Elite Mastercard product page does not advertise a complimentary checked bag waiver tied to cardmembership; checked bag fees on Spirit are tied to fare bundles and to Free Spirit Elite Status tiers earned through the loyalty program, not directly to card membership)
• Priority boarding on Spirit-operated flights as a stand-alone card perk: Not Offered (the Free Spirit Travel More World Elite Mastercard product page does not advertise card-level priority boarding; Shortcut Boarding on Spirit is tied to Free Spirit Elite Status and to specific fare bundles, not to card membership)
• Airport lounge access (Priority Pass, LoungeKey, or any other network lounge program): Not Offered (the Free Spirit Travel More World Elite Mastercard product page Benefit details does not list any complimentary airport lounge access program; Spirit Airlines does not operate its own branded lounge network and Bank of Missouri has not elected to add a third-party lounge benefit on this co-brand)
• Trip cancellation, trip interruption, or trip delay insurance: Not Offered as called out by the issuer (the Free Spirit Travel More World Elite Mastercard product page Benefit details and the Bank of Missouri Cardholder Agreement do not list trip cancellation, interruption, or delay insurance among the card's benefits; Bank of Missouri has not elected to advertise these Mastercard network-optional protections on this co-brand)
• Baggage delay or lost luggage reimbursement: Not Offered as called out by the issuer (the Free Spirit Travel More World Elite Mastercard product page and the Bank of Missouri Cardholder Agreement do not list baggage delay or lost luggage insurance among the card's benefits)
• Primary auto rental collision damage waiver: Not Offered as called out by the issuer (the Free Spirit Travel More World Elite Mastercard product page and the Bank of Missouri Reward Rules do not list a primary collision damage waiver or any auto rental insurance benefit; any auto rental coverage defaults to secondary CDW only where the World Elite Mastercard network optional benefit applies)
• Cell phone protection: Not Offered as called out by the issuer (the Free Spirit Travel More World Elite Mastercard product page Benefit details does not list cell phone protection as a cardholder benefit; while World Elite Mastercard is the network tier, Bank of Missouri has not elected to include cell phone protection on this co-brand)
• Purchase protection or extended warranty: Not Offered as called out by the issuer (the Free Spirit Travel More World Elite Mastercard product page and the Bank of Missouri Cardholder Agreement do not list purchase protection or extended warranty among the card's benefits)
• Global Entry or TSA PreCheck application fee statement credit: Not Offered (the Free Spirit Travel More World Elite Mastercard product page Benefit details does not list a Global Entry or TSA PreCheck application fee credit; this is a meaningful gap versus higher-end co-brand airline cards on legacy carriers)
• Transfer partners outside the Free Spirit ecosystem: Not Offered (the Free Spirit Travel More World Elite Mastercard earns Free Spirit Points that go directly to the cardholder's Free Spirit account; there are no Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, or Capital One Miles transfer options on this co-brand product per the issuer Reward Rules)
• Complimentary hotel elite status, rental car elite status, or elite-night credits: Not Offered (the Free Spirit Travel More World Elite Mastercard product page lists no complimentary hotel elite status, no rental car elite status, and no elite-night credits among the card's benefits; the only loyalty acceleration is Free Spirit Status Qualifying Points earned through card spend toward Spirit's own elite tiers)
• Concierge service: Not Offered as a card-specific benefit beyond the standard Mastercard World Elite Concierge network benefit (the Free Spirit Travel More World Elite Mastercard product page does not advertise an enhanced concierge service; Mastercard World Elite Concierge is a network-optional benefit administered by Mastercard rather than a Bank of Missouri benefit specific to this co-brand)