Free Spirit

Credit Card Offer

Best Overall

Sign-Up Bonus Value

$650(65,000 spirit points)

Requirement

$1,000 spend in 3 months

Time to Complete

90 days

Year 1 Value

Sign-up Bonus$650

Ongoing Rewards (est.)$420

Net Year 1 Value$1,070

Year 2+ Ongoing Value

Ongoing Rewards (est.)$341

Annual Fee-$79

Net Year 2 Value$262

Values are estimated based on publicly available offer terms and typical spending patterns. Actual value depends on your spending habits, redemption methods, and eligibility. Point values use standard transfer partner valuations.

Earning Rates

All purchases1.5%

Offer Details

Annual Fee

$79 (waived Year 1)

Credit Score Needed

Good

Best For

Other

Credit Impact

Medium

Spending Timeframe

3 months

Difficulty

Intermediate

Verification

Source

scraped

Last Verified

Jul 6, 2026

Bonus Value

$650

$79/yr fee (waived Y1)

Clicking "Apply Now" takes you to Bank of America's website. BonusMax AI does not process applications.

Quick Facts

90 days to complete
Intermediate difficulty
$1,000 spend in 3 months
Good credit recommended

Offer details may change. Always verify current terms on Bank of America's official website before applying.

BonusMax AI provides educational financial information only. We are not a financial advisor, bank, or credit card issuer. Offer values are estimates and may differ from actual results. Always review the issuer's terms and conditions before applying.