Free Spirit vs Xbox
Free Spirit
$79/yr
6.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Free Spirit charges $79/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox 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
Xbox
Lower annual fee ($79 vs $0)
Rewards Earning
Free Spirit
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
Xbox wins for most people
The $79 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
Free Spirit wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Free SpiritRewards Earning: Detailed Comparison
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |