The Free Spirit Travel Mastercard, issued by Bank of America, is a solid choice in the market.
Free Spirit Travel Mastercard Payoff Analysis
Free Spirit® Travel Mastercard® Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Free Spirit® Travel Mastercard® | |
|---|---|
| Issuer | Bank of America |
| Network | Mastercard (World) |
| Card Material | Plastic |
| Annual Fee | $0.00 |
| Base Rate | 1.00% |
| Travel Rewards | 2.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | 3% |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (5y ago) |
| Minimum Credit Line | $500 |
Welcome Offer
| Bonus | 10,000 Points |
| Spend Requirement | $500 |
| Timeline | 90 days |
| Efficiency Score | 20.00 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 1.00% |
| Spirit Airlines Purchases | 2.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 27.99% - 34.99% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | 3% |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $1.50 |
| Grace Period | 25 days |
| Penalty APR | 36.74% |
Official Resources
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | None |
| Partnership Benefits | None |
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | No |
Strategy & Eligibility
| Min. Credit Score | 670+ |
| Recommended Range | Good |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | No |
| Closure Grace Period | None |
Comparisons
See how the Free Spirit Travel Mastercard compares to other cards.