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Free Spirit® Points Plus Mastercard®
Free Spirit® Points Plus Mastercard®
Earn a $100 Companion Flight Voucher Every Year
- Regular Purchase APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 to $79
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Processing Network Mastercard
- 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
- Regular Purchase APR: 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $0 to $79
- 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
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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.
Ideal for Those Who:
- Have average credit but want an airline rewards card
- Have a pre-approval mail offer from Mercury
- Fly with Spirit or travel occasionally
Free Spirit® Points Plus Mastercard® Review
The Free Spirit® Points Plus Mastercard® is an airline rewards credit card for consumers traditionally not-targeted rewards credit cards. The card, from Mercury Finance, features many of the perks of the Bank of America version of the Free Spirit credit cards, but without the restrictive credit requirements.
Available to a Wider Credit Profile
Mercury Finance is the company behind the Mercury Mastercard. That card, issued through First Bank & Trust of South Dakota, provides reasonable credit lines, cash back rewards, and more – for those with average credit.
Like the Free Spirit® Points Mastercard, also from Mercury, the Points Plus is only available by invitation. Invite-only means potential applicants will need a reservation code from Mercury Financial to apply. These codes usually take the form of an email offer or mail offer, inviting eligible credit profiles to consider the card.
How to Earn Free Spirit Points
The Free Spirit® Points Plus Mastercard® closely resembles its sibling – just with more. The card earns 3X points on Spirit purchases, including airfare, baggage, and in-flight purchases. The card also earns 2X points on dining and groceries – bonus categories that the Points Mastercard lacks.
All other purchases with the Points Plus earn a single point in the Free Spirit frequent flyer program. There are no caps to the total number of points earnable, and points never expire as long as the account is open.
Impressive Introductory Offer
The Points Plus Mastercard also comes with an introductory bonus offer of 20,000 Free Spirit points after meeting minimum spend requirements. The spending requirements will vary depending on your card offer – but this bonus is 4X the welcome offer with the Free Spirit® Points Mastercard.
Other Free Spirit Benefits
Cardholders also receive an annual $100 Companion Flight Voucher each year after spending $5,000 on purchases before their anniversary date. The card can help members achieve Free Spirit Silver and Gold Status as credit cardholders will earn one status qualifying point (SQP) for every $10 spent in purchases.
Like the Free Spirit® Points Mastercard, the Points Plus also offers a selection of Free Spirit perks, including in-flight savings, priority boarding, and more. Points Plus credit cardholders traveling Spirit Airlines will be eligible for:
- 25% rebate on in-flight food and beverage purchases
- Zone 2 early boarding.
- Point pooling for individuals and up to eight additional Free Spirit members – ideal for families traveling together
How to Redeem Rewards
Free Spirit features several ways to redeem points for flights. The cost of award flights with Spirit depends on the distance of the desired award route:
- Region 1: 0 – 1,249 miles
- Region 2: 1,250 – 1,749 miles
- Region 3: 1,700 – 2,499 miles
- Region 4: 2,500+ miles
Once the route’s distance is determined, award flights fall into one of several categories:
- Off-Peak Flights: Only available when booking award flights with the Spirit Airlines credit cards, including the Bank of America and Mercury cards.
- Standard Flights: These flights are only available on certain days of the week and at select points in the year.
- Peak Flights: Offers more availability than Standard fares but is still subject to blackout dates.
- Premium Flights: The most expensive mileage tier offering the best award flight options.
Off-peak flights in Region 1 start as low as 2,500 points, with premium flights to Region 4 beginning at 45,000 points. These award rates mean the introductory bonus with the Points Plus could be worth almost nine off-peak flights!
Other Card Features
Other card features with the Free Spirit® Points Plus Mastercard® include World Mastercard protections and benefits:
- Zero Fraud Liability:Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Mastercard Global Service:Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
- ID Theft Protection:Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.
- ShopRunner:Free membership providing 2-day shipping with over 120 leading online retailers.
- Onefinestay:Enjoy 10% savings on over 1,000 rental properties worldwide.
- World VIP Concierge:24/7 concierge service for airports, travel, and any other concerns.
- Mastercard Luxury Hotel Collection: Complimentary upgrades, late checkout, and more at over 2,000 properties worldwide.
- Cell Phone Protection:$1,000 in coverage per year ($600 per claim) if your phone is lost, stolen, or broken. Cardholders must pay their phone bill with an eligible card. Terms and conditions apply.
Should You Apply for the Free Spirit® Points Plus Mastercard®?
So, should you consider applying for the Free Spirit® Points Plus Mastercard® if you receive an invite? The card offers plenty to justify its $79 annual fee for those targeted, especially for those who travel with Spirit or fly occasionally. The ability to earn points towards award flights to over 77 destinations in the United States, Mexico, Caribbean, and Central and South America makes the card versatile and practical – as is the lack of any foreign transaction fees.
Ultimately, the Free Spirit® Points Plus Mastercard® is an excellent option for those who typically find themselves wishing they could get an airline credit card but don’t have the credit score required to get the very best offers. It offers a solid introductory bonus, annual points bonuses, expedited boarding, and more for a reasonable yearly fee.