Over $150,000,000 of debt paid off, and counting...

Join other Bright customers who are paying off thousands of dollars of debt.

Bank of America Spirit Airlines World Mastercard®

Credit needed
Good
APR
15.99% to 23.99%
Annual Fee
0$ increase to $79.

Card Summary

Cardholders can earn 2 miles for every dollar spent on the Bank of America Spirit Airlines World Mastercard. There is no limit to how many miles they can accumulate.

The Bank of America Spirit Airlines World Mastercard has an initial $0 annual fee. After that, an additional $79 annual fee will apply.

After spending at least $1,000 within 90 days, you will earn 40,000 bonus points and a $100 companion flight voucher.

Spend $10,000 and more to earn an annual 5,000 mile anniversary bonus.

Based on creditworthiness, the variable APR of purchases or balance transfers ranges from 15.99% to 23.99%.

Card Summary - Cons

Rates and fees

Issuer Name
Bank of America
Penalty APR
Maximum 29.99%
Credit Needed
Good
Balance Transfer Fee
The greater of $10 or 3% depending on the transaction amount, whichever is higher.
Annual Fee
0$ increase to $79.
Cash Advance Fee
For each transaction: Direct deposit and check cash advances: $10, or 3%, depending on the transaction amount ATM, Over the Counter, Same Day Online, and Cash Equivalent Cash Advances are $10, or 5%, depending on the transaction amount.
APR
15.99% to 23.99%
Foreign Transaction Fee
None
Bright-Money-logo

Here’s a smart way to pay off

Bank of America

The Best Features

Sign up bonus: Get 40,000 bonus points and a $100 Companion Flight Coupon after you spend at least $1,000 within your first 90 days.

An annual bonus: A $100 Companion Flight Voucher is available for each anniversary of purchases exceeding $5,000 within the previous year.

Rewards

Sign up bonus

APR Requirements

Drawbacks

There is no introductory APR.
The Bank of America Spirit Airlines World Mastercard doesn't offer new cardholders an introductory period of 0% APR on balance transfers or purchases.
Based on creditworthiness, the standard variable APR ranges from 15.99% up to 23.99%.

Highlights

After spending at least $1,000 within 90 days, you will earn 40,000 bonus points and a $100 Companion Flight Voucher. Spend $1 on eligible grocery and dining purchases to earn 2 points Spirit Partners.

Redeem your points to redeem for select flights or other options.

There are no blackout dates for award tickets Each anniversary, receive a $100 companion flight voucher after you have spent at least $5,000 during the previous year.

Bank of America Spirit Airlines World Mastercard Benefits include:

Access to your monthly FICO credit score for no cost.

You can get overdraft protection by linking your Bank of America checking accounts to your credit card Zero dollar fraud liability coverage

Benefits

Comparative Analysis with Other Cards

Bank of America Spirit Airlines World Mastercard and United Club Infinite Card:

Annual Fee: The introductory fee for World Elite Mastercard accounts is $0; thereafter, a $79 charge will be applied. A $525 annual fee is charged by United Club Infinite Card.

Reward Program: The Bank of America Spirit Airlines World Mastercard Rewards program gives you 3 points for every $1 that you spend on eligible Spirit purchases. 2 points are earned on eligible grocery and dining purchases. 1 point is awarded on all other purchases. United Club Infinite Card gives you 4 miles for every dollar spent on United Airlines. You can also earn 2 miles on dining out at restaurants, travel and delivery, and 1 mile on any other purchase.

After spending at least $1,000 within 90 days, you will receive 40,000 bonus points and a $100 Companion Flight voucher. You can get a bonus of 5,000 miles each year if you spend at least $10,000. After you have spent $5,000 in your first 3 months of account opening, 100,000 bonus miles will be earned with the United Club Infinite Card.

Benefits: When you connect your Bank of America checking accounts with your Bank of America Spirit Airlines World Mastercard, you get monthly FICO credit score access and overdraft protection. United Club Infinite Cardholders receive a United Club Membership worth $650 annually.

All cardholders receive a free checked bag for the first and second time, as well as one companion per reservation.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Bright-Money-logo

No late fees. Reduced interest charges. Pay off

Bank of America