Free Spirit Travel More World Elite Mastercard vs Citi Premier Card

Side-by-side comparison of Free Spirit Travel More World Elite Mastercard and Citi Premier Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Free Spirit Travel More World Elite Mastercard	Citi Premier Card
Issuer	Bank of America	Citibank
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$79.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	3.00x	3.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Grandfathered

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Airline	3.0%	3.0%
Restaurants	2.0%	3.0%
Supermarkets	2.0%	3.0%
Gas Stations	1.0% (base)	3.0%
Hotels	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	18 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	21.24% - 28.24%	10.99% - 18.99%
Cash Advance APR	29.99%	21.24%
Penalty APR	29.99%	21.49%
Late Fee	$40	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65