Do check different credit cards offered as Spirit credit card or Spirit Airlines credit card with new guidelines, Let’s check activation, login, payment, redeem and how to avoid late fee.
Spirit Airlines Inc, often presented as Spirit, stands as a prominent ultra low cost carrier with its headquarters situated in Miramar, Florida, within the Miami metropolitan area.
Operating extensively in the United States, the Caribbean, and Latin America, the airline boasts a network that spans over 60 destinations.
Spirit Airlines, renowned for its budget-friendly approach, offers base fares and optional services like baggage, assigned seats, and Travel Insurance with separate charges.
The Spirit has established itself as a top-tier ultra low cost carrier in the region. Whether you are a seasoned traveler or a first-time Flyer, Spirit Airlines is your gateway to turning travel dreams into reality.
Spirit Credit Card
Spirit Airlines offers two Credit Cards, the Free Spirit Travel Mastercard and the Free Spirit Travel More World Elite Mastercard, both issued by Bank of America.
Free Spirit Travel Mastercard
It is designed for infrequent Spirit Traveller and offers the following features and benefits:
- Sign-up Bonus: Earn 10,000 bonus points after making at least $500 in purchases within the first 90 days of account opening
- Earning Points: Earn 2 points per dollar spent on eligible Spirit purchases and 1 point per dollar spent on all other purchases
- Annual Fee: The card has a $0 annual fee
- Additional Benefits: Cardholders can benefit from points pooling, early boarding, and avoiding point expiration.
- No Foreign Transaction Fees: The card presents a cost-effective choice for international travel, as it does not impose foreign transaction fees.
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Free Spirit Travel More World Elite Mastercard
It suits individuals who frequently utilize Spirit Airlines and appreciate the airline’s economical, no-frills services. Notable features and advantages of the card encompass
- Sign-up Bonus: Cardholders stand to earn a 50,000-point bonus and a $100 companion flight voucher by making at least $1,000 in purchases within the first 90 days of opening the account.
- Rewards: The card yields 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 transactions.
- Annual Fee: The initial year incurs no annual fee, followed by a $79 fee in subsequent years.
- Earning Status: Card usage contributes to obtaining Free Spirit status, unlocking perks such as complimentary bags and seat selection during booking.
- No Foreign Transaction Fees: The card presents a cost-effective choice for international travel, as it does not impose foreign transaction fees.
- Redemption Fees: The card waives Spirit’s award redemption fees, allowing cardholders to redeem points without incurring additional fees
- Companion Pass: On each anniversary following qualifying purchases, the card provides a $100 companion flight voucher.
- Points Pooling: The members can combine points with others for easier reward accumulation.
- Elite Status: Cardholders can attain elite status through spending, gaining perks like free baggage and seat selection.
In summary, the Free Spirit Travel Mastercard is suitable for infrequent Spirit travellers, while the Free Spirit Travel More World Elite Mastercard offers valuable benefits for frequent Spirit flyers.
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How to earn Spirit points?
Accrue Free Spirit points through diverse channels, such as flying with Spirit Airlines, utilizing the Free Spirit credit card, and making purchases with partners.
Where can I redeem my spirit points?
Spirit points can be redeemed for various travel-related options such as booking flights, hotel stays, car rentals, or other services.
Can I use my Free Spirit Travel Mastercard and the Free Spirit Travel More World Elite Mastercard, anywhere?
Yes, you can use these Mastercards anywhere where Mastercard is accepted.
Do Free Spirit points have an expiration date?
Free Spirit points stay valid if earned or redeemed within 12 months or if you have a Free Spirit credit card. Learn more about longevity details.
Can Free Spirit points be purchased?
Yes, Free Spirit points can be bought on Spirit’s website at around 2.5 cents per point, in increments of 1,000 points. Periodic promotions may offer bonus points on select.
Eligibility Criteria for Spirit Credit Card
U.S. Residents with a Valid Social Security or Tax ID number who are at least 18 years old may apply for the Free Spirit Travel more Mastercard and Residents of Puerto Rico must be at least 21 years old are eligible to apply.
Residents of the Dominican Republic, Costa Rica, Guatemala, Honduras, El Salvador, and Nicaragua can apply for the Free Spirit Promerica Credit Card.
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How to Apply Spirit Credit Card
You can apply for the Spirit Credit Card by using the following methods
- Online
- To apply for a Spirit Credit Card online, follow these steps:
- Visit the Spirit Airlines website https://www.spirit.com/s/creditcards
- You will be redirected to the Bank of America website, the issuer of the Spirit cards.
- Review Card Features and Choose the Free Spirit Travel Mastercard or Free Spirit Travel More World Elite Mastercard.
- Tap on the Apply Now button.
- If you are not a Spirit member, enter the personal information displayed on the screen. your email address and click on continue.
- Check Eligibility which may include factors like income, credit score, and residency.
- Fill out the application form with your financial details
- Give Consent to the Credit Check.
- Review Terms and Conditions and Submit Application:
- Wait for Approval.
- If approved, the Free Spirit Travel Mastercard or the Free Spirit Travel More World Elite Mastercard will be sent to your registered address. Activate the card following the provided instructions.
- In-Store: Another option is to apply for the Spirit Credit Card in person at a Bank of America branch location.
- By Phone: You can apply by calling at 800-932-2775. This contact number enables you to seek information regarding the application procedure and complete the Spirit credit card application over the phone.
- By responding to Bank of America’s pre-approved offer (if you received one).
Note: Before applying for a free Spirit Credit Card, it is important to review your credit score and ensure it meets the eligibility criteria.
The application process and requirements may change, so it is advisable to check the official Spirit Credit Card website or contact customer service for the most up-to-date information.
How to Create an account/Enrol for Spirit Credit Card
You can create an online account on the credit card issuer’s website to manage your card, view statements, and access other account features.
To create an account for Spirit Credit Card online, follow these steps
- Visit the Bank of America website https://www.bankofamerica.com/credit-cards/products/spirit-airlines-credit-card/.
- Click on Log In located in the top right corner.
- click on Enroll in Online Banking.
- Fill in your Card or Account Number (Last 6 digits) and Social Security Number (SSN) or Tax ID Number (TIN).
- Click on Continue.
- Fill in your email ID and select Send code.
- Fill in the authorization code and click Submit.
- Examine and accept the Electronic Disclosure, then click on Continue.
- Go through and agree to the Online Banking Service Agreement, then click Continue.
- Establish your new Online ID and Passcode, and proceed by selecting Continue.
- Indicate whether you want the system to remember your device, and then click Continue.
You have successfully enrolled in Online Banking and are now prepared to log in using your new online ID and Passcode.
How to Activate Spirit Credit Card
If you have not signed up for Online Banking yet, enrol to activate your credit card.
To activate your Spirit Credit Card, you can use the following methods
Online:
- Go to https://www.bankofamerica.com/credit-cards/products/spirit-airlines-credit-card/.
- Click on Log In located in the top right corner.
- Click on Activate a Card.
- Click on Sign In to Online Banking.
- Enter your User ID and Password.
- Click on Log In.
- Enter the information to confirm identity.
- Verify your credit card to complete the activation process.
Over the Phone
- Dial 800-276-9939 to reach the Bank of America card activation line.
- Provide your full account number either verbally or through the keypad.
- Follow the prompts to enter your personal information for verification when requested.
Once activated, your card will be immediately available for use.
If you encounter any challenges during the process, Bank of America’s customer service is available to assist you. Feel free to contact them at 8007329194.
How to Check Status of Spirit Credit Card?
You can check the status of your credit card either online or by contacting customer service.
How do I get pre-approved for the Spirit Credit Card?
To obtain pre approval for the credit card, you must receive a mailed offer to apply. The issuer does not provide pre-approval for this card via its website.
What credit score is needed for the Spirit Airlines Credit Card?
The Free Spirit Airlines Credit card requires a credit score of 750 or higher, indicating that you must have at least a good credit rating to be eligible for approval.
How can I review my Spirit Credit Card Statement?
You can review your card statement in the following manner
- Online: Access your statement by logging into your online account.
- Mail: Receive a paper copy of your statement by checking your mailbox at the address on record.
- Mobile App: Utilize the issuer’s mobile app on your smart device to review your credit card statement.
How can I check my free Spirit points balance?
You can check your Free Spirit Airlines points balance:
- By logging in to your Spirit Airlines account.
- Via the Spirit Airlines mobile app for iOS and Android.
- Over the phone by dialling (855) 728-3555.
Spirit Credit Card Login
Follow the given steps to log in successfully to access your Spirit credit card
- Visit the website’s sign-in page at https://www.bankofamerica.com/online-banking/sign-in/
- Enter Your User ID and Password.
- Click the Log In button.
Once you have logged in, you can make payments, view your account balance, and manage your account settings.
Online login procedures can change, and it is essential to follow the instructions provided by Spirit to ensure a secure and successful login to your credit card. For any assistance, contact customer service.
How to Reset Spirit Credit Card User ID and Password
To reset your Spirit Credit Card User ID and Password follow these steps:
- Tap on Forgot User ID/ Reset Password.
- Enter your Card or Account Number (Last 6 digits) and Social Security Number (SSN) or Tax ID Number (TIN).
- Click on Continue.
- Follow the prompts to reset your User ID and Password.
- Enter your Email Address. You will then receive an email with a password reset link along with your Username.
- Open the link and follow the instructions to reset your User ID and Password.
If you are still having trouble resetting your User ID/ Password, you can contact the customer service of your credit card provider for further assistance.
How to report a lost or stolen card?
If your Spirit Credit Card is lost, call 800-732-9194 for immediate cancellation and replacement. Alternatively, report the loss and request a new card by logging into your account online or through the Bank of America app for iOS and Android.
Spirit Credit Card Payment
Staying on top of your credit card payments is essential to avoid late penalties. Spirit credit cardholders can make payments through various methods, including online, by mail, or by phone.
Online:
- Visit the website’s sign-in page at bankofamerica.com/online-banking/sign-in/
- Enroll in Bill Pay and confirm your email address by clicking the corresponding tab.
- Agree to the terms and conditions by checking the I agree box and clicking the button.
- Add a Pay From account by clicking on the designated option.
- Enter the required information on the Add a Pay From Account screen, including the Routing Number and Account Number.
- You will receive an Account Added Confirmation, allowing you to pay your Bank of America credit card bill online.
- Navigate to the Bill Pay tab, specify the payment Amount and Deliver by date.
- After selecting Make Payments, receive a confirmation of the scheduled payment. Optionally, print the payment information before signing out.
By Phone:
- Dial 1-800-236-6497, Bank of America customer service line.
- Provide the representative with your Spirit credit card details.
- Follow the prompts to complete the payment.
By Mail
- Write a check or money order payable to Bank of America.
- Include your Spirit Credit Card account information on the check or money order to facilitate payment processing.
- Place the completed check or money order in an envelope.
- Mail it to the Payment mailing addresses by Standard mail or by Express mail
If you choose to make a payment via Standard mail, make sure to always send it at least 5-7 days before your due date.
For an expedited credit card payment, use Express Mail to send it promptly.
In person:
Find a nearby Bank of America branch, where Spirit Airlines credit cards are mainly issued. Approach the teller or customer service representative, to pay your Spirit Airlines credit card bill in person, and provide the required information. Use cash, check, or debit card to make the payment.
Ensuring accurate account details and timely submission is essential to facilitate smooth payment processing.
How to Avoid Late Fees for Spirit Credit Card
To prevent incurring late charges for the Spirit credit card, consider the following suggestions:
- Make Timely Payments: Make sure that payments are made before the deadline to evade late charges.
- Create Calendar Alerts: Generate reminders on your calendar for payment deadlines to avoid missing any payments.
- Set Automatic Payments: Organize automatic payments through your bank or credit card provider to ensure prompt payments.
- Modify payment date: Modify your payment date to a more convenient time.
- Contact Customer Service: If you have concerns regarding late fees, reach out to Spirit customer service to inquire about potential solutions or fee exemptions.
Keep in mind that delayed payments may result in fees and can impact your credit history.
What if my Spirit Credit Card payment is overdue?
Late fees and interest may be imposed on your Spirit credit card if your payment is overdue. The specific amounts will be determined by the terms and conditions of your card.
Spirit Airlines Credit Card Customer Service
If you have any complaints regarding your Spirit Credit Card, then
- For Spirit credit card customer service, call
- For Mercury-issued Spirit cards, call 888-561-0613. If you have specific complaints or issues, reach out to the customer service numbers provided for personalized assistance.
When reaching out to customer service, be prepared with account details and the issue. Keep records of your communication, including dates, times, and representative names. If problems persist, consider filing a complaint with financial regulatory authorities.
