Spirit Airlines World Mastercard®

For a Spirit loyalist, the $59 annual fee can be reasonable if you regularly book with the airline and want a simple way to build up Free Spirit points from both flights and daily purchases. The card’s strongest selling point is that it keeps the earning structure easy to understand, especially if your main goal is to lower the cost of future Spirit travel rather than maximize premium travel perks.

For most other readers, this is a niche airline card. Free Spirit points are worth far less than the points or cash back you can get from many general rewards cards, and the benefits list is very thin for a card with an annual fee. If you only fly Spirit occasionally, you will likely get more value from a no-annual-fee cash-back card and use those rewards however you want.