Is There a Spirit Airlines Business Credit Card?
Although at one time, Bank of America offered a business-specific Spirit Airlines credit card, currently there is only a personal Spirit credit card. As an alternative to a Spirit Airlines business credit card then, you might consider the Capital One Spark Miles Select or the Business Advantage Travel Rewards World Mastercard—if you’re looking particularly for a Bank of America travel card.
With their ultra-competitive pricing for flights, Spirit might be the airline of choice if you’re a particularly thrifty business owner. This being said, if you are a Spirit frequent flyer, you might be looking to earn travel rewards for your everyday business spending with a Spirit Airlines business credit card.
Unfortunately, Bank of America no longer offers a Spirit business credit card and instead, only offers a personal Spirit card, the Spirit Airlines World Mastercard. Therefore, although you could use this Spirit personal card for your business (provided, of course, you kept personal and business expenses separate), we’d recommend exploring top business credit card alternatives.
To help you start this process, therefore, we’ve created this guide. We’ll explain four of your best alternatives to a Spirit Airlines business credit card— plus, we’ll break down everything the Spirit personal credit card has to offer so that you have all the information you need to decide what’s right you.
Spirit Airlines Business Credit Card: What You Need to Know
As we’ve mentioned, at one time Bank of America offered a Spirit Airlines business credit card designed for business owners who traveled frequently with Spirit. However, this card is no longer offered; instead, Bank of America only has a personal Spirit credit card, the Spirit Airlines World Mastercard.
Like any co-branded airline credit card, the Spirit Airlines World Mastercard offers rewards specific to Spirit, however, since this is a personal credit card, it doesn’t include any benefits or perks designed to accommodate business owners. Plus, and perhaps more importantly, since this is not a business credit card, Bank of America will not report the activity with Spirit World Mastercard to business credit bureaus, and therefore, you can’t use it to build or improve your business credit.
This being said, if you’re really invested in the idea of a Spirit Airlines business credit card, you might decide to apply for this personal card and only use it for business expenses. However, considering all of the other options on the market, you’ll likely want to explore your top alternatives—some of which are the best business credit cards for travel rewards out there.
What Does the Spirit Airlines World Mastercard Have to Offer?
Once again, since Bank of America no longer offers a Spirit Airlines business credit card, you’re more than likely going to be better off finding a business-specific credit card alternative. However, if you’re still interested in what this personal Spirit credit card has to offer, you can refer to the information below.
Co-branded through Bank of America, the Spirit personal credit card is a Mastercard with an ongoing miles rewards program, plus additional perks that are specific to Spirit Airlines. Therefore, unlike other travel credit cards, business or personal, you’ll only be to redeem the miles earned with this card for travel with Spirit specifically (Spirit also doesn’t have any airline partners, so you won’t be able to transfer miles to other flights).
This being said, the Spirit Airlines World Mastercard allows you to earn miles at the following rates:
- 2x miles for every dollar you spend with the card
- 15,000 bonus miles after your first purchase
- 15,000 bonus miles after making at least $500 in purchases within 90 days of your account opening
- Anniversary bonus of 5,000 miles if you spend at least $10,000 in purchases annually
These miles have a dollar value that will vary based on what type of flight you want to book with them, but generally speaking, they have much more value if you use them to book domestic direct flights. Additionally, with this card, you’ll be able to start redeeming your rewards for flights at 2,500 miles.
This being said, the Spirit Airlines World Mastercard also grants cardholders access to additional travel perks including:
- Spirit Airlines Zone 2 priority boarding
- Free Spirit Dining Rewards
- No blackout dates when redeeming miles
As we’ll discuss shortly, these non-spending perks are what sets many travel business credit cards apart from their competitors. Nevertheless, for this personal Spirit credit card, you’ll also have no foreign transaction fees, but you’ll have an annual fee of $59. As a credit card signup bonus, however, Bank of America will waive the annual fee for your first year of membership.
With all of this in mind, if you are a frequent flier on Spirit, you may decide that the Spirit Airlines World Mastercard is a worthwhile credit card for your personal expenses. This being said, however, considering that there are no business-specific perks—such as employee cards, finance tracking tools, or the ability to build business credit—you’ll want to consider the following options as top alternatives to a Spirit Airlines business credit card.
Top Alternatives to Spirit Airlines Business Credit Card
Even if there still was a Bank of America Spirit business credit card, it’s difficult to say that of all the cards on the market, a Spirit-specific card would be best for you. A Spirit Airlines business credit card, in theory, would only be best for your business if you flew frequently enough on the airline to save money by using your rewards to redeem free flights.
This being said, considering that Bank of America no longer offers a Spirit business credit card and the restrictions of a co-branded business airline credit card, you might find that a general travel card is the right fit for your business.
Specifically, you might consider the following four cards as top alternatives to a Spirit Airlines business credit card:
- Bank of America Business Advantage Travel Rewards World Mastercard
- Capital One Spark Miles Select for Business
- Chase Ink Business Preferred
- American Express Business Platinum
Bank of America Business Advantage Travel Rewards World Mastercard
For a Spirit Airlines business credit card alternative from Bank of America, you might look into the Business Advantage Travel Rewards World Mastercard.
With this card, you’ll be able to earn an unlimited 1.5x points on every dollar you spend, plus, you’ll earn 3x points on travel (hotel, airline, car) booked through the Bank of America portal. The rewards you earn with this card will never expire and you’ll be able to redeem them for travel with no blackout dates, as well as cash back or gift cards.
Additionally, if you spend $3,000 in purchases within the first 90 days after opening your account, you’ll earn 30,000 bonus points which can be redeemed for a $300 statement credit toward travel purchases. Moreover, this Bank of America business credit card has no annual fee, no foreign transaction fees, and includes a 0% intro APR for nine months.
During these nine-months, you’ll be able to carry a balance on purchases you make, interest-free. After this period ends, however, you’ll receive an APR that will vary based on the market Prime Rate and your creditworthiness.
Ultimately, although this Bank of America business credit card doesn’t have any luxury perks like priority boarding or TSA precheck credits, this is a great business credit card option for ongoing rewards, no annual fee, and, one of the easiest welcome bonuses to qualify for on the market. Plus, unlike a theoretical Spirit business credit card, this travel card will allow you to redeem your points for flights, hotels, or other travel-specific purchases regardless of the retailer.
Capital One Spark Miles Select
The next Spirit Airlines business credit card alternative you might consider is the Capital One Spark Miles Select. Like the Bank of America Travel Rewards card, this is one of the very few fee-free business travel credit cards available on the market—with no annual fee and no foreign transaction fees.
Additionally, the miles you earn with the Spark Miles Select are generally redeemable around $0.01 per mile and can be redeemed instantly for any travel-related purchases from flights to hotels to ride-sharing services. You’ll also be able to transfer your miles to over 10 travel loyalty programs like Jet Blue and Air Canada.
This being said, the Spark Miles Select earns 1.5x miles for every dollar you spend with the card with no limits on the miles you can earn. Plus, if you spend $3,000 on purchases within three months of opening your account, you’ll receive a welcome bonus of 20,000 miles (equal to $200 worth of travel).
Moreover, like the Bank of America Travel Rewards card, the Spark Miles Select offers a nine-month 0% intro APR period, during which time you’ll be able to carry a credit card balance on purchases interest-free. After this period expires, however, you’ll receive an APR that will vary based on the market Prime Rate and your creditworthiness.
Finally, although once again, this Spirit Airlines business credit card alternative doesn’t include any luxury travel perks, it does offer free employee cards (which also earn 1.5x points per dollar) and, if you book travel using your card through Capital One, you can earn an impressive 5x points per dollar you spend.
Chase Ink Business Preferred
Ink Business Preferred® Credit CardGreat For: Point redemption rewards
- 100,000 point signup bonus if you spend $15K in first 3 months
- 3x or 1x points depending on how you spend
1 or 3 points
For a Spirit business credit card alternative with one of the biggest welcome bonuses on the market, plus ongoing rewards based on where business owners typically spend the most, you’ll want to think about the Chase Ink Preferred.
With the Ink Preferred, you’ll have the opportunity to earn a hefty welcome offer. Moreover, you’ll also earn 3x points for every dollar you spend (up to $150,000 worth of purchases) on:
- Shipping purchases
- Advertising purchases made with search engines and social media sites
- Internet/cable/phone services
Plus, you’ll earn 1x points on every dollar you spend on all other purchases, with no limits on the points you can earn. Of course, you’ll be able to redeem these points for travel, but you’ll also be able to redeem them for cash back, gift cards, and more—and they won’t expire as long as your account is open.
This being said, you will have to pay an annual fee of $95 for this business credit card, so you’ll want to be sure that you’ll be able to get enough value out of the Ink Preferred to offset this additional cost. However, it’s worth noting that this Chase business credit card has no foreign transaction fees and you won’t have to pay an annual fee for adding employee cards to your account.
American Express Business Platinum
The Business Platinum Card® from American ExpressGreat For: Luxury travel perks and rewards
- Earn up to 75,000 points if you spend $15,000 in the first 3 months
- 5x points on flights and prepaid hotels booked through Amex.
- Best airport lounge access of any card on the market.
- No preset spending limit, so you can use the card to fund your working capital.
5 or 1 points
Finally, last on our list of top Spirit Airlines business credit card alternatives is the American Express Business Platinum.
If you’re looking for top-of-the-line, luxury business travel perks, the Amex Platinum is going to be one of your best options. To explain, if you opt for this Amex card, you’ll have access to a long list of travel amenities, including but not limited to:
- A TSA PreCheck or Global Entry credit
- A $200 airline credit
- Airport lounge access and Priority Pass Select
- Hilton Honors Gold status
Plus, you’ll earn Amex Membership Rewards for your everyday purchases. As you spend with the Amex Business Platinum, you’ll earn at the following rates:
- 5 Membership Rewards points for every dollar you spend on flights and prepaid hotels booked on Amextravel.com.
- 1.5 Membership Rewards points per dollar spent on each purchase that’s worth $5,000 or more—up to 1 million additional points per year.
- 1 Membership Rewards point for every dollar you spend elsewhere
Although these are just some of the perks you’ll receive with the Amex Business Platinum, you will have to pay a high annual fee, $595. It’s also important to note that unlike the previous Spirit business credit card alternatives we’ve discussed, the Amex Platinum is a business charge card—meaning you’ll have to pay your balance in full at the end of every month, otherwise, you’ll face substantial late fees instead of paying interest.
Nevertheless, if you can shoulder the high annual fee of the Amex Business Platinum, you’ll find that this is one of the best business travel cards on the market.
Spirit Business Credit Card: The Bottom Line
As you can see, although there is no longer a Bank of America Spirit business credit card, there are still a variety of great travel business credit cards available out there.
Therefore, in order to decide which of these alternatives is right for your business, you’ll want to consider what exactly you’re looking for in a business credit card and what features are most important to you. You’ll want to think about factors such as rewards program, annual fee, additional travel perks, and more.
By laying out these qualifications, you’ll be able to determine how any business credit card will or won’t meet your needs. For example, if one of your top business credit card requirements is no annual fee, you’ll want to go with the Spark Miles Select or the Bank of America Travel Rewards card.
In any case, by spending responsibly with whichever business credit card you choose, you’ll be earning rewards, maximizing your spending, and building your business credit. With this in mind, it’s important to remember that although Spirit does offer a personal credit card, you’ll be better off finding a travel credit card designed specifically for small businesses.