Free Spirit® Points Plus Mastercard®
- Annual fee
- $0 to $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 Plus Mastercard® is a premium, invite-only airline rewards credit card from Mercury Financial. The card features 3X points on Spirit flights and purchases, 2X on dining and groceries, a decent signup bonus, and no foreign transaction fees – all for an annual fee of $79.
Our review of the Free Spirit® Points Plus Mastercard®
Are you looking for an airline rewards credit card that offers great perks without strict credit requirements? Look no further than the Free Spirit® Points Plus Mastercard® from Mercury Finance. This invite-only card provides opportunities for those with average credit to earn points towards award flights to over 77 destinations.
Available to a Wider Credit Profile
Mercury Finance, known for the Mercury Mastercard, offers the Points Plus Mastercard to consumers with average credit. To apply, you’ll need a Mercury Financial reservation code, typically received through email or mail.
How to Earn Free Spirit Points
With the Free Spirit® Points Plus Mastercard®, you can earn 3X points on Spirit purchases, 2X points on dining and groceries, and 1X point on all other purchases. There are no limits to the points you can earn, and they never expire as long as your account is open.
Other Free Spirit Benefits
Cardholders can enjoy a range of perks, including an annual $100 Companion Flight Voucher, opportunities to achieve Free Spirit Silver and Gold Status, in-flight savings, priority boarding, and more.
How to Redeem Rewards
Redeeming points for flights is easy with Free Spirit. Award flights are categorized based on distance, starting as low as 2,500 points for off-peak flights.
Other Card Features
In addition to earning points, the Points Plus Mastercard offers World Mastercard protections and benefits, including zero liability protection, airport concierge services, ID theft protection, and more.
Experts give the Points Plus Mastercard and Mercury Financial positive reviews, making it a reliable choice for consumers with average credit.
Should You Apply?
If you’re in the market for an airline credit card but don’t have the best credit score, the Free Spirit® Points Plus Mastercard® could be a great option. With its attractive rewards program, annual bonuses, and practical benefits, this card is worth considering for your travel needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 3x Free Spirit Points per $1 on Spirit purchases
- Earn 2x Free Spirit Points per $1 on grocery and dining purchases
- Earn 1x Free Spirit Points per $1 on all other purchases
- Invitation required to apply
Who this card may suit
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury
- You fly with Spirit or travel occasionally
Rates, fees and terms
| Annual Fee | $0 to $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 |
| Minimum Deposit Required | n/a |
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 Plus Mastercard®
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