ANA Card USA Plus vs Free Spirit
ANA Card USA Plus
$85/yr
6.5/10
VS
Free Spirit
$79/yr
6.5/10
Quick Answer
ANA Card USA Plus charges $85/yr with 1X base rewards. Free Spirit charges $79/yr with 1X base rewards. Free Spirit offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Free Spirit
Lower annual fee ($85 vs $79)
Rewards Earning
ANA Card USA Plus
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Free Spirit wins for most people
The $6 fee difference is hard to justify unless you maximize premium benefits.
Apply for Free SpiritPREMIUM PICK
ANA Card USA Plus wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for ANA Card USA PlusRewards Earning: Detailed Comparison
ANA Card USA Plus
| ANA flights | 2.0X |
| Dining & hotel stays | 1.5X |
| Everything else | 1.0X |
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |