The Free Spirit Travel More World Elite Mastercard edges out the Wells Fargo Reflect for most cardholders — it wins on 2 of 4 comparison categories and offers 65,000 pts signup bonus earns more (up to 3x vs 1x). The Wells Fargo Reflect is the better choice if you want no or lower annual fee.
Free Spirit Travel More World Elite Mastercard vs Wells Fargo Reflect
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Eligible Spirit Purchases 3x
- Eligible Dining Purchases 2x
- Grocery Store Purchases 2x
- 25% Rebate on inflight purchases
- Enjoy Two Free Checked Bags as a primary cardholder
- Group 2 Priority Boarding on all flights
- +1 more
Common Questions: Free Spirit Travel More World Elite Mastercard vs Wells Fargo Reflect
Is the Free Spirit Travel More World Elite Mastercard or Wells Fargo Reflect better for dining?
Free Spirit Travel More World Elite Mastercard earns 2x on dining; Wells Fargo Reflect has no dining bonus.
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). Wells Fargo Reflect 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. Wells Fargo Reflect charges 3% on foreign purchases.
Can I hold both the Free Spirit Travel More World Elite Mastercard and the Wells Fargo Reflect?
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 Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.