Spirit Airlines MasterCard Credit Card is owned and issued by Bank of America Corporation [US]. This MasterCard comes with a stupendous bonus of 15000 bonus miles offer. The standard APR ranges from 13.24% to 23.24%. This reward is sufficient for as many as three round trips off-pick reward tickets along with the fees and taxes starting from $11.20 per reward. Let’s have a look at other perquisites of Spirit Airlines MasterCard Credit Card along with disadvantages to see if you should give it a shot or choose some other card.
1. Why use Spirit Airlines MasterCard Credit Card
The Spirit Airlines MasterCard Credit Card should be preferred because it lets is users get double miles on every $1 purchase. Also, it offers a preferred boarding area as well as a domestic priority check on available spots with no blackout dates on award tickets.
1.1 How it works
The use of Spirit Airlines MasterCard Credit Card is not so different from other cards of similar type. To use this card for future transactions, one need to apply for the card, activate it afterwards and earn redeeming “2 miles” on every $1 purchase, unlike other cards that offer bonus points on such purchases.
1.2 Benefits and Limitations
Now that we have known the basic information about Spirit Airlines MasterCard Credit Card let’s have a look at its benefits and drawbacks and see if it fills the bills or not.
The benefits of using this card include $0 Liability Guarantee on illicit transactions, Digital Wallet Technology, ShopSafe® for online shopping, online and mobile banking, text banking, and other such incredible features.
The drawbacks are that this card provides limited off-peak rewards as compared to other such cards, can be used on the Spirit airfare only, don’t allow the use of miles to upgrade and comes with different kinds of hidden charges. Furthermore, the cardholder needs to pay $15 for purchasing award tickets less than six months in advance.
|Rewards||Cardholders earn 2 miles per $1 spent.|
|Signup Bonus||You can earn 15,000 bonus miles after your first purchase.|
|Telephone||Customer Support – 1-800-732-9194|
|Mailing Address||Bank of America PO Box 15019 Wilmington, DE 19886-5019|
|Annual Fee||$0 for first year, with $59 annual fee for all following years|
|Cardmember Agreement||Click here to view the PDF file|
|Cash Advance APR||15.99% to 24.99%, depending upon your creditworthiness|
|Cash Advance Fee||Fee is either $10 or 3% of transaction for direct deposit and check cash advances. Fee is either $10 or 5% of transaction for bank cash advances.|
|Late Payment Fee||Up to $38|
|Purchases APR||12.99% to 22.99%, depending upon your creditworthiness when you open the account|
2. How to Apply for Spirit Airlines MasterCard Credit Card
To begin the application process, you will have to visit the official website of Bank of America Corporation. Alternatively, you can use the step by step guide here to apply for Spirit Airlines MasterCard Credit Card.
2.1 Step By Step Guide to Apply
- Click here to begin.
- On clicking, following window will show up on your screen:
- Find and click on blue colored Apply Now button at this page.
- You’ll be redirected to a new page for registration where you’ll be required to fill in the following fields
- First & Last Name
- Residential Address line 1 & 2
- Zip code
- Primary & Alternate Contact Numbers
- Email Address
- Country of citizenship
- Country of residence
- Date of birth
- Employment & finances
- Additional option to add cardholder
- After filling this information, you’ll be asked to review your application, check the box for showing the agreement to terms and conditions.
- After this, you’ll either save the application for later if incomplete or submit completed registration form for further proceedings.
2.2 How to activate the card
For the activation of Spirit Airlines MasterCard Credit Card, call at the number 800-932-2775. Don’t forget to add use Priority Code: VACNC7 in the case of urgency. Alternatively, you can schedule an appointment by clicking here. Also, visit the activation page for assistance in this regard.
3. How to Use Spirit Airlines MasterCard Credit Card
As it is a master card, you can use it at all the online shopping websites as well as other stores where MasterCard is accepted and along with the purchase of every dollar, you get a bonus in of 2 miles for air travel at Spirit Airlines.
3.1 How to Login For Spirit Airlines MasterCard Credit Card
The login process for Spirit Airlines MasterCard Credit Card is simple. Click here and find the link for Sign in at the top of this page. You’ll be redirected to a new page where you’ll have to declare the location where you bank. Once the location is selected, add Online ID and passcode and sign in to see details of your transactions.
3.2 What if the Card is Lost or Password is Forgotten
The loss of the spirit of should be immediately reported to the support representatives so that they deactivate the card to forbid its use for illicit purposes. Alternatively, visit contact us page and let the bank know about loss. On the other hand, if passcode Online ID is forgotten, click sign-in help options on the login page for further assistance.
4. Most Popular FAQs
Here are few of the most frequently asked questions by the users or the people interested in using Spirit Airlines MasterCard Credit Card.
Can I manage my account through my mobile or tablet?
With the mobile banking app introduced by Bank of America, you can fully access and monitor your transactions wherever, whenever you want.
When will I get my Spirit Airlines MasterCard Credit Card?
Upon approval, the user will receive his card within ten working days in its inactivated form. The card can be activated by visiting activation page.
What is the APR on my card? Can I use it for funds transfer?
The APR for this card adjusted between 13.24%-23.24% and the funds can be transferred using this card with a 3% cost of each transaction.
Do I have to pay an annual fee for Spirit Airlines MasterCard Credit Card?
The annual fee for this card is $59. However, the fee for the first year is waived off.
More FAQS click here .
5. How to cancel Spirit Airlines MasterCard Credit Card?
For the cancellation of Spirit Airlines MasterCard Credit Card, please visit contact us page or let the support team know about your cancellation request at 800-932-2775.
6. Reviews for Spirit Airlines MasterCard Credit Card
As for the reviews, it is considered as one of the best cards for the air travel with sign-up bonuses, double miles on every purchase, anniversary bonus, chip card and other such benefits. On the other hand, the users also suggest that $59annual fee is much higher at the time when most credit cards come with $0 annual fee. Moreover, the miles earned on purchases are expirable, and there is a 3% foreign transaction fee. The cardholders also have to pay $35 for bookings on the phone in addition to other such hidden charges. However, the people who frequently travel by spirit airlines can save considerably using this card. As for the others, there are better options available in the market.
As we have summarized all the advantages and drawbacks of using Spirit Airlines MasterCard Credit Card, it is upon you to read these details thoroughly to get the answers to all your questions and ambiguities regarding this card. Furthermore, don’t forget to see the pros and cons of other cards too before you go for applying Spirit Airlines MasterCard Credit Card to be on safe side.