Purchase APR
24.49–25.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $749.70
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48
Free Spirit Travel More World Elite Mastercard
Bank Of America, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.49–28.24%
Annual fee
$79
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
25.49%
≤619
9.99%
620–719
27.74%
720+
23.49%
Lowest offered19.49%
Median24.24%
Highest offered28.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.49%
Median28.24%
Highest offered28.99%
Every fee on this card
Annual fee$79
Balance transfer fee4%
Cash advance fee5%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Monthly Custom Pay Plan Fee$0
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Earn 3 points per $1 spent on eligible Spirit Airlines purchases, 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other qualifying purchases
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-932-2775
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 24.24%$727.20
Annual / periodic fees$79
Total yearly cost$806.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
32 documents filed by Bank Of America, National Association in the 2026 Q1 archive.
- Air France KLM Visa Signature English111 KB
- Allways Rewards Visa English102 KB
- Atmos Rewards Ascent Visa Signature English103 KB
- Atmos Rewards Summit Visa Infinite English102 KB
- Bank of America Customized Cash Rewards English104 KB
- Bank of America Customized Cash Rewards Secured English112 KB
More from this issuer
Purchase APR
14.24–24.24%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $629.70
Purchase APR
16.74–22.74%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $532.20
Purchase APR
13.49–23.49%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $667.20