Free Spirit^® Travel More World Elite Mastercard^® Review: Solid Perks if You Fly Spirit Often

If you fly Spirit Airlines regularly and want a way to turn everyday spending into cheaper flights, the Free Spirit^® Travel More World Elite Mastercard^® could be a practical fit. Picture booking a Spirit trip with two free checked bags, priority check-in and Group 2 boarding, and a discount on in-flight food and drinks — perks that can quickly add up on an airline known for à la carte fees.

The card also helps you earn rewards faster on Spirit purchases, dining and groceries and offers a $100 companion flight voucher each year if you meet the spending requirement. For frequent Spirit flyers, those benefits can easily help offset the card’s annual fee after the first year.

That said, the value is highly airline-specific. If you don’t fly Spirit often or prefer flexible points you can use across multiple airlines and travel partners, a general travel rewards card like the Capital One Venture Rewards Credit Card may be a better fit.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good / Excellent

Rewards Rate: 1X - 3X points

• Earn 3 points per dollar spent on eligible Spirit purchases
• Earn 2 points per dollar spent on eligible dining and grocery store purchases
• Earn 1 point per dollar spent on all other purchases

Welcome offer: 50,000 points

• Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

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Rates

• Intro purchase APR: N/A
• Regular purchase APR: 19.49% - 27.49% Variable APR
• Intro balance transfer APR: N/A
• Regular balance transfer APR: 19.49% - 27.49% Variable APR
• Regular cash advance APR: 22.49% - 28.49% Variable
• Penalty APR: Up to 29.99%

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Fees

• Annual fee: $79
• Balance transfer fee: 4% of the amount of each transaction.
• Cash advance fee: See Terms
• Foreign exchange fee: $0
• Late fee: Up to $40

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Other benefits

• Easy-to-earn sign-up bonus

  The Free Spirit^® Travel More World Elite Mastercard^® offers a sign-up bonus that’s easier to earn than many airline credit cards. You’ll earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

  Those points are worth about $550 toward Spirit flights*. When you factor in the companion voucher, which acts as a $100 discount on a companion ticket booked on the same itinerary, the total value climbs to roughly $650.

  *Based on LendingTree’s value methodology

  Why it matters: The low spending requirement makes this bonus attainable, and Spirit’s low award prices can help you turn it into several flights, even if the points aren’t the most valuable in the industry.

• Solid rewards on Spirit purchases, plus dining and groceries

  The Free Spirit^® Travel More World Elite Mastercard^® earns its strongest rewards on Spirit Airlines purchases, with bonus points in a couple of everyday categories as well. You’ll earn 3 points per dollar spent on eligible Spirit purchases; 2 points per dollar spent on eligible dining and grocery store purchases; and 1 point per dollar spent on all other purchases.

  What purchases qualify for elevated points?

  • Spirit purchases: Airfare booked directly with Spirit, plus onboard food, beverages and Wi-Fi. Spirit vacation packages, hotels and rental cars booked through Spirit also qualify.
  • The dining category: Restaurants, fast food, bars and catering services.
  • The grocery store: Supermarkets and most specialty food stores.

  Tip: While earning 3 points per dollar on Spirit purchases is solid for loyal flyers, travelers who spend heavily on dining or groceries may find higher returns with cards that specialize in those categories, like the Chase Sapphire Preferred^® Card.

• $100 anniversary flight voucher

  You can also earn a $100 Companion Flight Voucher every account anniversary by spending $5,000 or more during the year. The voucher is issued by email shortly after your anniversary, and you can use it for a companion on the same itinerary when you book on Spirit’s site with your Spirit card. It’s good for 12 months.

• Perks for Spirit flyers

  The Free Spirit^® Travel More World Elite Mastercard^® offers several built-in perks that can meaningfully improve the Spirit flying experience. With LendingTree research showing that many travelers are scaling back trips due to economic concerns, cost-saving benefits like free checked bags and companion vouchers may be especially valuable for budget-minded flyers. Here’s what you’ll get:

  • Two free checked bags
  • Priority check-in at participating airports
  • Group 2 Priority Boarding on all Spirit flights
  • 25% back on in-flight food and beverage purchases
  • Access to Points Pooling, allowing you to combine points with up to eight friends or family members
  • Earn 1 Status Qualifying Point for every $10 spent toward Free Spirit Silver or Gold status
  Some Redditors note that the card’s free checked bag benefit can offset the annual fee in as little as one trip. For example, on a family flight where baggage fees might otherwise exceed $130 each way.

• No foreign transaction fees

  The Free Spirit^® Travel More World Elite Mastercard^® charges no foreign transaction fees, making it a convenient option for international travel. Since many credit cards add a fee of around 3% on purchases made abroad, this benefit can save you hundreds of dollars in fees while traveling.

  → See LendingTree’s picks for the best credit cards with no foreign transaction fees.

• Points are only usable with Spirit and have lower overall value

  Points earned with the Free Spirit^® Travel More World Elite Mastercard^® can generally only be redeemed for Spirit Airlines flights. In comparison, general travel cards like the Capital One Venture Rewards Credit Card allow redemptions across multiple carriers and transfer partners or even as cash back or statement credits.

  Free Spirit points also tend to be worth less than miles from many other airlines. While the average airline mile is worth about 1.3 cents according to LendingTree research, Spirit’s dynamic pricing often results in a lower value — around 1.1 cents per point.

  Tip: Travelers who want maximum point value or broader redemption options may find better returns with more flexible cards, such as the Chase Sapphire Preferred^® Card or Capital One Venture Rewards Credit Card, especially if they don’t fly Spirit regularly.

  → See LendingTree’s guide on how much airline miles are worth.

• Charges an annual fee

  The Free Spirit^® Travel More World Elite Mastercard^® comes with a $79 annual fee To justify keeping the card long-term, you’ll want to make sure its ongoing perks outweigh that cost.

  You can offset the annual fee through benefits such as

  • Two free checked bags, which can easily exceed $79 in value on a single round trip
  • A $100 companion flight voucher each account anniversary after meeting the $5,000 spending requirement
  • Earning bonus points on Spirit purchases, helping you rack up rewards faster if you regularly fly the airline

  → A LendingTree study found that airline credit cards are just as likely to carry steep annual fees of $450 or more as they are to have none at all. Of 37 cards reviewed, only six charged no annual fee, while most fell somewhere in between, putting this card’s annual fee on the lower end of the spectrum.

• Few travel protections or insurance benefits

  The Free Spirit^® Travel More World Elite Mastercard^® offers limited travel protections compared to many general travel credit cards. You’ll get basic purchase and fraud protections, but it lacks common credit card travel protections, such as trip delay coverage, trip cancellation or interruption insurance and baggage protection.

  Travelers who want built-in coverage for delays, cancellations or lost luggage may be better served by a general travel card, especially if you don’t primarily fly Spirit Airlines. For example, the Chase Sapphire Preferred^® Card includes trip delay and cancellation coverage, baggage delay insurance and primary rental car insurance.

  → See LendingTree’s picks for the top travel insurance credit cards.

Free Spirit^® Travel More World Elite Mastercard^® vs. Chase Sapphire Preferred^® Card

The Chase Sapphire Preferred^® Card is a strong alternative if you want flexibility beyond a single airline. It earns transferable Chase Ultimate Rewards^® points that can be redeemed across multiple airlines and hotels or used for travel, cash back or statement credits.

While the Free Spirit^® Travel More World Elite Mastercard^® is best for travelers loyal to Spirit Airlines, the Chase Sapphire Preferred^® Card stands out for its broader redemption options and stronger travel protections.

→ See LendingTree’s full review of the Chase Sapphire Preferred^® Card.

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Free Spirit^® Travel More World Elite Mastercard^® vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a better choice than the Free Spirit^® Travel More World Elite Mastercard^® if you want simple, flexible travel rewards on everyday purchases. Miles can be redeemed for travel, cash back or gift cards, or transferred to 15+ airline and hotel loyalty programs, offering far more flexibility than Spirit-only redemptions.

While it doesn’t include airline-specific perks like free checked bags or priority boarding, the Capital One Venture Rewards Credit Card is a stronger fit for travelers who want consistent value without committing to a single airline. It also offers up to a $120 credit for Global Entry or TSA PreCheck^®, adding an extra layer of value for frequent travelers.

→ See LendingTree’s full review of the Capital One Venture Rewards Credit Card.

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Free Spirit^® Travel More World Elite Mastercard^® vs. Citi Strata Premier^® Card

The Citi Strata Premier^® Card is a strong alternative to the Free Spirit^® Travel More World Elite Mastercard^® if you want to earn elevated rewards on both travel and everyday spending. It offers bonus points across categories like travel, dining, groceries, gas and EV charging and includes a $100 annual hotel benefit when you book through Citi Travel^®.

While the Free Spirit^® Travel More World Elite Mastercard^® focuses on Spirit-specific perks, the Citi Strata Premier^® Card works better as a hybrid everyday and travel card, especially for travelers who want more redemption flexibility and don’t fly Spirit Airlines exclusively.

→ See LendingTree’s full review of the Citi Strata Premier^® Card.

The Free Spirit^® Travel More World Elite Mastercard^® is a strong choice for frequent Spirit Airlines travelers who want built-in savings through free checked bags, priority check-in and boarding and an annual companion flight voucher. If you fly Spirit often enough to take advantage of those perks, the card’s benefits can easily outweigh its annual fee.

However, if you don’t fly Spirit regularly, prefer flexible rewards you can use across multiple airlines or want stronger travel protections, you may be better served by a different card. In that case, the Chase Sapphire Preferred^® Card, Capital One Venture Rewards Credit Card or Citi Strata Premier^® Card may offer better overall value.

→ See LendingTree’s top picks for the best airline credit cards.

We take a comprehensive, data-driven approach to identify the best travel credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

• Average value over two years (80% of rating): We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
• Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
• Other features (5% of rating): We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.