Free Spirit vs Premium Rewards Elite
Free Spirit
$79/yr
6.5/10
VS
Premium Rewards Elite
$550/yr
5.5/10
Quick Answer
Free Spirit charges $79/yr with 1X base rewards. Premium Rewards Elite charges $550/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 ($79 vs $550)
Rewards Earning
Free Spirit
3 earning categories
Benefits & Protection
Free Spirit
0 benefits vs 0
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Free Spirit wins for most people
The $471 fee difference is hard to justify unless you maximize premium benefits.
Apply for Free SpiritPREMIUM PICK
Premium Rewards Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium Rewards EliteRewards Earning: Detailed Comparison
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |
Premium Rewards Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |