(Update 4/13/26: updated and reposted as it’s now live)
of promised Spirit Card (“Free Spirit” Debit Card) has a landing page and is now live for application within the Spirit app. (ht FM) We’ve updated the post below with some additional details.
Spirit Free Debit Card
Direct card link (note: app only available on Spirit app)
- $6.99 monthly fee (no waiver)
- 200 signup bonus points
- 200 monthly bonus Spirit points for the first 12 months (for month 2 to month 12)
- Earning the card (when the PIN is not used):
- Earn 1 point for every $2 spent
- Spirit purchases will earn 1 point per $1 spent
- Load the card via ACH, debit card (2.5% fee), or you can top up at some partner stores
- Issued by Cross River Bank
You can also earn bonus points each month based on your average daily balance from the previous month:
- $1,000 – $2,499: 100 points per month
- $2,500 – $4,999: 200 points per month
- $5,000 – $9,999: 400 points per month
- $10,000 – $24,999: 800 points per month
- $25,000 – $49,999: 2,000 points per month
- $50,000 or more – 4,000 points per month
Additional Benefits
- Group 2 priority departure on Spirit flights
- Priority registration
- Access junction points
Our verdict
Recently we saw debit cards issued by united, SouthwestAND Wyndham. This Spirit card is from a different bank supporter and the details are not that similar to the others.
During the first year, the 200 monthly points help somewhat offset the $6.99 monthly fee. After the first year, if you’re not spending on the card or doing the balance bonus, you’re basically paying $6.99 a month for Group 2 priority boarding, priority check-in, and access to earning points. Perhaps 0.5x on debit purchases could be useful in some scenarios (eg tax payments).
In general, it can be somewhat interesting to frequent Spirit flyers that do not carry a Spirit credit card.
