Bank of America Free Spirit card
Bank of America 路 Mastercard
Personal
Closed to new applicants

Bank of America Free Spirit

Annual fee
$79
Earns
Free Spirit points
Point value
1.1 CPP
Track this cardCalculate its value

Welcome offer

Bank of America no longer takes new applications for this card, so there's no welcome offer. Existing cardholders keep its earning and benefits.

Earning rates

CategoryEarnsReturn
Purchases with Spirit3x3.3%
Dining2x2.2%
Travel1x1.1%
Groceries1x1.1%
Gas1x1.1%
Everything else1x1.1%

Return is what each $1 of spend is worth with points valued at 1.1 CPP.

Application rules

  • Counts toward 5/24

    Opening it takes one of your Chase 5/24 slots.

  • Closed to new applicants

    Bank of America stopped taking applications for Free Spirit cards after Spirit Airlines shut down on May 2, 2026, and Free Spirit points can no longer be redeemed.

  • Card conversion

    Bank of America is moving Free Spirit cardholders to its no-annual-fee Customized Cash Rewards card, or to the Unlimited Cash Rewards card if you already have Customized Cash.

About the Bank of America Free Spirit

The Bank of America Free Spirit is a personal Mastercard card from Bank of America with a $79 annual fee that earns Free Spirit points. Bank of America no longer takes new applications for it, but existing cardholders keep it. It earns 3x on purchases with Spirit, 2x on dining and 1x on everything else. AwardHack values Free Spirit points at 1.1 CPP.

Frequently asked questions

What is the Bank of America Free Spirit annual fee?

The Bank of America Free Spirit has a $79 annual fee.

Does the Bank of America Free Spirit include airport lounge access?

No, the Bank of America Free Spirit doesn't include airport lounge access.

Does the Bank of America Free Spirit count toward Chase 5/24?

Opening it counts as one of your 5/24 slots.

Similar cards

Offers, fees and benefits change often. Check the issuer's site before you apply.