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CardCurator — Rewards Intelligence
Card Comparison

Free Spirit Travel More World Elite Mastercard vs U.S. Bank Smartly

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
U.S. Bank Smartly card art
U.S. Bank Cash Rewards
U.S. Bank Smartly
U.S. Bank
More Info
Annual Fee
$79/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
50,000 points
Spend $1,000 in 3 months
None
Top Earn Rates
  • Eligible Spirit Purchases 3x
  • Eligible Dining Purchases 2x
  • Grocery Store Purchases 2x
  • All Purchases 2x
Reward Type
miles
cashback
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
Cash back only
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Common Questions: Free Spirit Travel More World Elite Mastercard vs U.S. Bank Smartly

Is the Free Spirit Travel More World Elite Mastercard or U.S. Bank Smartly better for dining?

Free Spirit Travel More World Elite Mastercard earns 2x on dining; U.S. Bank Smartly has no dining bonus.

Which has the higher signup bonus in 2026?

Free Spirit Travel More World Elite Mastercard currently offers 50,000 pts signup bonus (spend $1,000 in 3 months). U.S. Bank Smartly offers no current bonus. Free Spirit Travel More World Elite Mastercard has the larger bonus.

Which card is better for international travel?

Free Spirit Travel More World Elite Mastercard charges no foreign transaction fees — the better pick for international use. U.S. Bank Smartly charges 3% on foreign purchases.

Can I hold both the Free Spirit Travel More World Elite Mastercard and the U.S. Bank Smartly?

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 U.S. Bank Smartly is from U.S. Bank, so they're governed by separate bank policies.