(Update 4/13/26: updated and repost as this is now live)
The 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.
Free Spirit Debit card
Direct card link (note: application available in Spirit app only)
- $6.99 monthly fee (non-waivable)
- 200 points signup bonus
- 200 monthly Spirit bonus points for the first 12 months (for month 2 through month 12)
- Card earning (when PIN is not used):
- Earn 1 point for every $2 spent
- Spirit purchases will earn 1 point per $1 spent
- Load card via ACH, debit card (2.5% fee), or you can add cash at certain partner stores
- Issued by Cross River Bank
You can also earn bonus points monthly 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 boarding on Spirit flights
- Priority check-in
- Points pooling access
Our Verdict
We recently saw debit cards released by United, Southwest, and Wyndham. This Spirit card is from a different bank backer and the details are not as similar to the others.
During the first year, the 200 monthly points helps 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 per month for Group 2 priority boarding, priority check-in, and access to points pooling. Possibly the .5x on debit purchases can be useful in certain scenarios (e.g. tax payments).
Overall, might be somewhat interesting to frequent Spirit flyers who don’t carry the Spirit credit card.
