Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- 2x on grocery (catalog median is 1.5x)
- The $79 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $79 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$233/yr
$312 rewards - $79 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$241/yr
$320 rewards - $79 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$369/yr
$448 rewards - $79 fee
Rewards by Category
Dining
1x
Grocery
2x
Gas
1x
Flights
3x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3x on Spirit purchases. 2x at grocery stores. 1x everywhere else. 5k bonus miles on card anniversary.
Spirit Airlines World Mastercard FAQ
What is the Spirit Airlines World Mastercard annual fee?
The Spirit Airlines World Mastercard has a $79 annual fee.
What is the Spirit Airlines World Mastercard signup bonus?
40,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Spirit Airlines World Mastercard?
3x on flights, 2x on grocery. Everything else earns 1x.
Is the Spirit Airlines World Mastercard worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $233/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
Is Spirit Airlines World Mastercard Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.