What are the benefits of a Spirit Airlines credit card?

Most budget airlines are associated with no-frills travel experience. However, when it comes to rewarding loyal flyers, Spirit Airlines takes different approach. With the right credit card, travelers of all types can realize real value through points, travel perks and cost savings. Understanding the full range of Spirit credit card benefits can help you make informed decision about whether this card fits your travel and spending habits. While Spirit is known as low-cost carrier, its credit cards are designed to reward loyalty and everyday spending alike, especially for those who fly the airline often.

What is a Spirit Airlines credit card?

A Spirit Airlines credit card is co-branded with the airline to offer a travel credit card. It rewards cardholders with Free Spirit® points on everyday purchases, which can subsequently be redeemed to book flights and travel rewards with Spirit.

Spirit currently offers two main options:

• Free Spirit® Travel Mastercard® (no annual fee)
• Free Spirit® Travel More World Elite Mastercard® (annual fee - often waived in the first year)

Both cards offer the big reward of being frequent Spirit flyer with low costs.

Benefits of a Spirit Airlines Credit Card

• Earning Points: 3x the points on Spirit purchases, 2x on dining and groceries and 1x on everything else (on the "Travel More" version).
• Free Checked Bags: The primary card holders receive two free checked bags for Spirit flights.
• In-flight Benefits: 25% back as rebate in the form of credit balance for in-flight food and beverage purchases made with the card, plus Zone 2 shortcut boarding.
• Companion Vouchers: Get $100 companion voucher annually after meeting spending thresholds. For instance, the Travel More card requires $5,000 spent.
• Elite Status (SQPs): For every $10 spent, earn Status Qualifying Points toward faster Silver or Gold status.
• Points Pooling: Pool points with up to eight family/friends.
• No Foreign Transaction Fees: Excellent value for an airline card.
• Expiration: Points do not expire as long as the account is open.

Easy Spirit Airlines Credit Use

Understanding the best Spirit airline credit is vital for maximizing card value, as free Spirit points could be used to:

• Book Spirit flight ticket
• Lower ticket price
• Redeem travel rewards through the Spirit loyalty program.

Awards bookings are easy through Spirit's website and cardholders usually realize better redemption value than non-members.

Spirit Airlines Credit Validity

Another crucial aspect is the validity of the credit in Spirit Airlines. Free Spirit points usually:

• Do not expire so long as your account remains active.
• Stays valid while the credit-card account is open and in good standing.

The upside of this flexibility is that it allows the occasional traveler to save their points over time without hurrying to spend them.

Who Should Consider Spirit Airlines Credit Card?

• A Spirit Airlines credit card may be right for you if:
• Fly Spirit Airlines several times a year
• They want to save on baggage and flight-related costs.
• Are better off earning airline-specific rewards over general travel points
• Value simple, low-cost travel benefits.

If you don't fly Spirit often or want broader airline flexibility, consider general travel rewards credit card.

Conclusion

Spirit Airlines credit card offers practical value for traveler who knows how to use card to their benefit. From earning rewards faster and understanding Spirit credit use and validity, cardholders may enjoy meaningful savings and convenience.

When utilized strategically, Spirit credit card benefits can turn low-cost flights into even more affordable and rewarding travel experiences.

FAQs

Does Spirit credit card give free checked bags?

Yes, Free Spirit Travel More Mastercard provides primary cardholders with up to two free checked bags, with a weight limit of up to 50 lbs each, when flights are booked directly on Spirit's website or app, starting from late September 2025, but this includes only the cardholder, not companions and the bags must be added online before check-in.

Is Spirit Airlines credit card worth it?

The Spirit Airlines Credit Card is decent option for Free Spirit rewards program members, offering modest rewards and the chance to earn $100 credit each year. But Spirit Airlines Card requires good credit or better to qualify and it charges $79 annual fee from the second year.

Is there an annual fee for free Spirit credit card?

Free Spirit Travel Mastercard* is Spirit's entry-level card, which comes with no annual fee. It earns 2X points on eligible Spirit purchases and 1X points on all other purchases.