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Quick Answer

The LATAM Airlines Mastercard edges out the Free Spirit Travel More World Elite Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers 15,000 pts signup bonus. 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 LATAM Airlines Mastercard

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
LATAM Airlines Mastercard card art
Latam Pass Miles
LATAM Airlines Mastercard
Cardless
More Info
Annual Fee
$79/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
65,000 points
Spend $1,000 in 3 months
15,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • Eligible Spirit Purchases 3x
  • Eligible Dining Purchases 2x
  • Grocery Store Purchases 2x
  • LATAM Airlines Purchases 3x
  • Restaurants, Rideshare, taxis, & public transit 2x
  • All Other Purchases 1x
Reward Type
miles
miles
Pts Value
~0.80¢/pt points · industry est.
~1.00¢/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
None listed
Transfer Partners
No transfer partners
No transfer partners

Common Questions: Free Spirit Travel More World Elite Mastercard vs LATAM Airlines Mastercard

Is the Free Spirit Travel More World Elite Mastercard or LATAM Airlines Mastercard better for dining?

Free Spirit Travel More World Elite Mastercard earns 2x on dining; LATAM Airlines Mastercard earns 2x on dining. Free Spirit Travel More World Elite Mastercard 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). LATAM Airlines Mastercard offers 15,000 pts signup bonus (spend $1,000 in 3 months). LATAM Airlines Mastercard 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 LATAM Airlines Mastercard?

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 LATAM Airlines Mastercard is from Cardless, so they're governed by separate bank policies.