Spirit Airlines Credit Card: Benefits & Features
If you travel frequently, especially on a budget, then saving money on flights can make all the difference. One of the easiest ways to do that is through an airline credit card. And if Spirit Airlines is your go-to airline, the Spirit Airlines credit card just might be a savvy addition to your wallet. Even though Spirit is an ultra-low-cost airline, its credit card allows you to earn rewards and enjoy perks that can extend your travel budget even further.
Here, we outline the most significant advantages of the Spirit Airlines credit card, what features it offers, and how to identify if it is right for you.
What is the Spirit Airlines Credit Card?
The Spirit Airlines credit card is issued through a major bank and normally offers points-called Free Spirit® points-that can be earned each time the card is used. Those points will have the potential for use against flights, seat upgrades, bags, and other travel extras on Spirit.
It's essentially a way of earning rewards even when you are not flying. Everything from grocery shopping to bill pay to booking travel can have your normal purchases turn into points that help save on future vacations.
Top Benefits of the Spirit Airlines Credit Card
Let's take a deeper look at why so many travelers find this card appealing. Here are the benefits of spirit airlines credit card that make it worth it, especially for frequent customers of Spirit:
Earn Free Spirit® Points Quickly
One of the best benefits of the Spirit Airlines credit card is how fast you are able to earn points. Most versions of the card offer:
- Extra points on Spirit purchases
- Bonus points on dining and grocery spending
- Rewards for everyday purchases
This means you don't have to fly constantly to amass free flights; your regular spending does the work.
Large Signup Bonus
One major feature of the Spirit credit card is the welcome bonus. It's common for new cardholders to get thousands of points after meeting some minimum spending requirements within the first few months.
This bonus alone is adequate for a free or nearly free flight for many individuals. If you're planning a trip soon, this sign-up bonus can help you save right away.
Reduced or Free Award Travel
One of the most valuable benefits that comes along with the Spirit Airlines credit card is the capability to redeem your points for flights at lower rates. Spirit often has its reward deals with fewer points for cardholders, which means you get more value out of your redemptions.
Besides, Spirit often runs sales in which flights can get really cheap, so combining those deals with reward points means your travel could cost next to nothing.
Anniversary Bonus Points
Many Spirit credit cards reward loyalty with anniversary bonus points each year. Even if you don't use the card much, that bonus can easily offset the annual fee, if your card version has one.
These yearly points add up and help you stay on track for free flights.
No Foreign Transaction Fees
If you travel outside the United States, this can be a money-saver. Many credit cards charge additional fees when you use them for purchases overseas—but Spirit's card usually does not.
This also makes it a very viable option for international travelers looking to avoid extra charges.
Quicker Route to Elite Status
Spirit's loyalty program contains several elite status levels that offer the following benefits:
- Shortcut security lanes
- Free seat selection
- Faster boarding
- Extra points on flights
The Spirit Airlines credit card helps you reach elite status sooner, seeing as how every purchase you make earns status-qualifying points, not just your flights. This is pretty helpful if you want better perks in-flight, but are still flying on a budget.
Other Features:
Beyond the big perks, the Spirit Airlines card includes a number of features that make travel easier:
- Travel Protection
With some card variations, you will be covered with travel insurance such as trip cancellation, lost bag protection, and rental car coverage.
- Fraud Monitoring
You are covered should your card ever be lost or stolen-a plus for any traveler.
- Mobile App Access
The card links easily with apps that track your points, payments, and travel plans.
Is the Spirit Airlines Credit Card Right for You?
The Spirit Airlines credit card is a good match for you if:
- You fly with Spirit Airlines at least a few times a year.
- You want to earn rewards through everyday spending.
- You like to travel on a shoestring and want to spend even less.
- You want to attain elite status more easily.
- You enjoy bonus points and reward deals.
But, if you are not familiar with Spirit airlines, or you prefer flying with other carriers, then this may not be the travel card for you.
Final Thoughts
The benefits associated with the Spirit Airlines credit card make it one of the strongest options for budget-conscious travelers who want to stretch their dollars further. From earning Free Spirit® points quickly to enjoying bonus rewards, fewer fees, and easier access to upgrades, this card can make travel smoother and cheaper. If Spirit Airlines is part of your regular travel routine, this card will help you save money, earn you perks, and turn your everyday spending into exciting trips. Want to upgrade your travel? The Spirit Airlines credit card could be the perfect starting point.

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