The Spirit ‘Free Spirit’ Credit Card, issued by Bank of America, presents a solid opportunity for those focused on airline-specific rewards, particularly within the Spirit Airlines ecosystem. Understanding its benefits and application nuances is key to a successful churn.
Current Welcome Bonus & Value
As of June 2026, the Spirit ‘Free Spirit’ Credit Card offers a welcome bonus of 65,000 points plus a $100 statement credit. This combined bonus has an estimated value of $671, making it a significant boost for your travel fund.
Minimum Spend to Earn It
To earn the welcome bonus, you must spend $1,000 in purchases within the first 90 days of account opening.
Who's Eligible
Eligibility for the Spirit ‘Free Spirit’ Credit Card is primarily governed by Bank of America's application rules, as well as general creditworthiness:
- Bank of America Application Rules:
- BofA 2/3/4 Rule: You are generally limited to approximately 2 new Bank of America cards within 2 months, 3 within 12 months, and 4 within 24 months.
- BofA 3/12 Rule: You may be denied if you have opened approximately 3 or more new credit cards (from any issuer) in the past 12 months.
- Credit Score: While no specific floor is provided, a good to excellent credit score (typically 670+) is generally required for approval for premium rewards cards.
- Once-per-lifetime: There is no explicit once-per-lifetime rule stated for this specific card's bonus, but Bank of America's velocity rules will naturally limit how frequently you can re-apply and be approved for new bonuses.
Is It Worth It?
Deciding if the Spirit ‘Free Spirit’ Credit Card is worth it depends on your travel habits and churning strategy.
Pros:
- High Welcome Bonus Value: An estimated $671 value from 65,000 points and a $100 statement credit is substantial.
- Annual Fee Waived First Year: Enjoy the full benefits and bonus without the $79 annual fee for the initial 12 months.
- No Foreign Transaction Fees: Ideal for international travelers, as you won't incur extra charges on purchases made abroad.
- Strong Earning Rates: Earn 3 points per $1 on eligible Spirit purchases, 2 points per $1 on eligible dining and grocery store purchases, and 1 point per $1 on all other purchases.
- Anniversary Companion Voucher: Receive a $100 companion flight voucher each year you spend at least $5,000 in purchases in the prior year, offsetting the annual fee.
Cons:
- Annual Fee After First Year: A $79 annual fee applies starting the second year, which needs to be weighed against the card's benefits.
- Airline-Specific Rewards: Points are tied to Spirit Airlines, which may not appeal to those who prefer more flexible travel rewards.
- Bank of America Application Restrictions: The BofA 2/3/4 and 3/12 rules can make it challenging to get approved if you've recently opened many new accounts.
How to Apply
To apply for the Spirit ‘Free Spirit’ Credit Card, visit the Bank of America website or a branch. Ensure you meet the minimum credit score requirements and are within Bank of America's application velocity limits before applying to maximize your approval chances.
Alternatives
If the Spirit ‘Free Spirit’ Credit Card doesn't align with your goals, or if you're looking for other Bank of America options, consider these related cards:
- Atmos Rewards Summit Visa Infinite Card
- Bank of America® Premium Rewards® credit card
- Premium Rewards Credit Card
- Royal ONE™
- Travel Rewards Credit Card
- Premium Rewards Elite Credit Card