Free Spirit® Points Mastercard®
- Annual fee
- $0 or $79
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 29.99% variable based on the Prime Rate
At a glance
The Free Spirit® Points Mastercard® is an invite-only airline rewards credit card from Mercury Financial and First Bank & Trust. The card features 2X points per dollar on Spirit flights and purchases, a decent signup bonus, and no foreign transaction fees (for some).
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No foreign transaction fees
- 2X points on Spirit purchases
- 1X points on all other purchases
- Points never expire
Who this card may suit
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury Financial and Spirit Airlines
- You fly with Spirit Airlines or travel occasionally
Rates, fees and terms
| Annual Fee | $0 or $79 |
|---|---|
| Regular Purchase APR | 29.99% variable based on the Prime Rate |
| Balance Transfer APR | 29.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 4% of the amount of each Balance Transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each Cash Advance, whichever is greater |
| Foreign Transaction Fee | 0% or 3% of each Purchase in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Free Spirit® Points Mastercard®
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