CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Updated June 2, 2016

Spirit Airlines Credit Card Review

Read more about Airline Rewards
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Could you get even better deals on your Spirit Airlines flight by owning the Spirit Airlines World MasterCard? Read on to see if the card is worth the $59 annual fee.

The reward structure seems generous when compared to other airline credit cards on the market, but the tight off-peak travel windows designated by Spirit Airlines might make it tough to get the most out of the miles you accrue on it.

© Frank Kovalchek (CC BY 2.0) via Flickr

Interest rates, rewards, benefits and fees from published web sites as of 4/13/2015.


  • Introductory offer: New cardholders earn 15,000 miles just for making one purchase with the card within the first 3 months of opening the account. Those 15,000 miles can be redeemed for up to 3 roundtrip off-peak flights.

  • Rewards: All purchases with the Spirit Airlines World MasterCard earn 2 miles per $1. That’s double the rate offered by most airline credit cards, which generally earn 1 mile per $1.

  • Bonus miles: Cardholders get 5,000 bonus miles on their cardholder anniversary if they spend at least $10,000 with the card every year.

  • Low reward thresholds: You can start redeeming for roundtrip tickets at just 5,000 miles.

  • Low annual fee: Compared to other airline credit cards on the market — nearly all of which charge an annual fee of some kind — this card’s $59 annual fee is toward the low end of the scale. As an added bonus, the annual fee is waived for your first year as a cardholder.


  • Reward expiration: Spirit flyers will lose miles they have accumulated if they go longer than 3 months without earning miles. This is among the shortest expiration windows among airline credit cards, and it is something to keep in mind if you’re unsure how often you’ll use this card (if you make at least one purchase per month, your miles will not expire).

  • Redemption fees: When you’re using your miles to book a flight for a date less than 180 days away (~6 months), you’ll be charged a redemption fee on top of any taxes or fees that come with the flight. The amount of the fee varies and increases as the flight date gets closer to the redemption date, but it can range from $15 to $100. This is a fee to keep in mind and another reason to consider this card only if you are a loyal — and frequent— user of Spirit Airlines.

  • Limited off-peak windows: Spirit’s claim that 5,000 miles is enough to redeem for a roundtrip flight is true as long as it’s a short distance flight and is booked for a date that falls in an “off-peak” window. These off-peak windows, however, represent just 1/3 of the weeks in a year. Should you try to redeem for a flight on a date in a “standard” or “peak” window, you’ll find yourself using up to 6 times as many miles.

How It Compares

Gold Delta SkyMiles Delta / Gold Delta SkyMiles (from American Express, a CreditDonkey partner): Gold Delta SkyMiles offers 30,000 bonus miles if you spend $1,000 on purchases within the first 3 months of opening your new account. In addition, you can earn a $50 statement credit after you make a Delta purchase within your first 3 months. This card earns airline miles: 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. There is a $95 annual fee ($0 introductory annual fee for the first year).

If you fly Delta, here's what you should know: you can check your first bag free on Delta flights with this card - that is a savings of up to $200 per round trip for a family of 4. Plus, you can enjoy Priority Boarding. Terms apply.

Frontier Airlines / Frontier Airlines World MasterCard: Most spending earns 1 point per dollar, and you can redeem points for a roundtrip ticket within the U.S. starting at 10,000 miles. The annual fee is a bit higher at $69, but you’ll be spared redemption fees if you use your Frontier Airlines card to pay for the taxes and other fees associated with your redeemed ticket.

Who It’s Best For

© Prayitno / Thank you for (6... (CC BY 2.0) via Flickr

In short, people who frequently fly with Spirit Airlines and have the flexibility and willingness to fly during off-peak travel windows could find this card to be very useful. Being able to redeem for a roundtrip flight at 5,000 miles when you’re earning 2 miles for every dollar you spend with the card means you could realistically be earning a free flight every couple of months just from your everyday spending on food, gas, and other essentials. If you’re leaning toward this card, question how often you use it and how likely you are to forget you have it, thereby risking losing miles from inactive use.

If you’re someone who tends to fly more often during peak or even standard travel windows (summer, holidays, etc.) — or not very often at all — you’re probably better off with a credit card that offers more flexibility, doesn’t charge redemption fees, and that won’t erase your accumulated miles if you go months without making a purchase.

Leah Norris is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Leah Norris at Our data-driven analysis has been recognized by major news outlets across the country and has helped travelers make savvy decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

More from CreditDonkey:

Airline Miles for Beginners

Credit Card Bonus Offers

Credit Card Deals with No Annual Fees

More Articles in Reviews

Airline Credit Cards

How to land great flights for cheap

Cheap Flights How To Find

Finding the best priced airfare can be a stressful task – especially when you're trying to stick to a strict travel budget. Thankfully, there are some tips you can follow to cut down on the financial investment of your next flight.

Leave a comment about Spirit Airlines Credit Card Review?

Email (won't be published)

Chase Sapphire Preferred Review

Travel credit cards are a great way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.
More Articles in Reviews

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.