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CardCurator — Rewards Intelligence
Quick Answer

The IHG One Rewards Traveler Credit Card edges out the Free Spirit Travel More World Elite Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 80,000 pts signup bonus earns more (up to 5x vs 3x). The Free Spirit Travel More World Elite Mastercard is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

Free Spirit Travel More World Elite Mastercard vs IHG One Rewards Traveler Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Free Spirit Travel More World Elite Mastercard card art
Free Spirit
Free Spirit Travel More World Elite Mastercard
Bank of America
More Info
IHG One Rewards Traveler Credit Card card art
IHG One Rewards
IHG One Rewards Traveler Credit Card
Chase
More Info
Annual Fee
$79/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
65,000 points
Spend $1,000 in 3 months
80,000 points
Spend $2,000 in 3 months
Top Earn Rates
  • Eligible Spirit Purchases 3x
  • Eligible Dining Purchases 2x
  • Grocery Store Purchases 2x
  • Participating IHG Hotels 5x
  • Dining 3x
  • Utilities 3x
Reward Type
miles
miles
Pts Value
~0.80¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
None
None
Card Perks
  • 25% Rebate on inflight purchases
  • Enjoy Two Free Checked Bags as a primary cardholder
  • Group 2 Priority Boarding on all flights
  • +1 more
  • 4th award night free
  • Silver Elite Status
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Free Spirit Travel More World Elite Mastercard vs IHG One Rewards Traveler Credit Card

Is the Free Spirit Travel More World Elite Mastercard or IHG One Rewards Traveler Credit Card better for dining?

Free Spirit Travel More World Elite Mastercard earns 2x on dining; IHG One Rewards Traveler Credit Card earns 3x on dining. IHG One Rewards Traveler Credit Card wins for dining.

Which has the higher signup bonus in 2026?

Free Spirit Travel More World Elite Mastercard currently offers 65,000 pts signup bonus (spend $1,000 in 3 months). IHG One Rewards Traveler Credit Card offers 80,000 pts signup bonus (spend $2,000 in 3 months). IHG One Rewards Traveler Credit Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Free Spirit Travel More World Elite Mastercard and the IHG One Rewards Traveler Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Free Spirit Travel More World Elite Mastercard is from Bank of America and IHG One Rewards Traveler Credit Card is from Chase, so they're governed by separate bank policies.