This Credit Card is awful. Here’s why you need it anyway…

Bad Credit Card

I’d be a terrible used car salesman with an opening line like that. Honesty doesn’t pay the bills, but lucky for you our blog is a money pit passion project and we came to grips with that fact a long time ago so we’re beyond the point of caring.

Anyway if you’ve been following our blog at all you know that we love Frontier Airlines… love, love, love them. They’re a cheap traveler’s dream and the in flight experience is actually pretty great for the price. I’m actually writing this blog from a Frontier plane right now (since they don’t offer WiFi and I don’t have anything better to do… man Frontier, I was just talking you up too).

Anyway Frontier Airlines offers two different MasterCards through Barclaycard and (unless you’re watching your 5/24 spots) you would be crazy not to get one of them. Despite the headline, only one of them is awful. One card is an honest-to-god great little card and you should look into that before settling for the awful one like I did.

The Frontier World MasterCard carries an annual fee but the earnings rate is actually quite good for a discount airline and you earn a $100 flight credit after spending $2,500 in a calendar year so that more than covers the fee. It also has a lucrative sign up bonus of 40,000 bonus miles after a relatively modest minimum spend which can be quite valuable if you play your cards right (earning you up to 2 round trip flights).

That said, if you’d rather spend on another card and don’t want to worry about the annual fee or making sure you hit the $2,500 threshold every year then you should absolutely get their no annual fee MasterCard.

Make no mistake, this card is horrific. This card is so bad that I don’t even make Frontier Airlines purchases on it despite the bonus points that you get for doing so. It’s crap and you should never ever use it aside from making small purchases for the sake of keeping it open.

So why get it?


Unlike some ultra low cost carriers (cough: Allegiant), Frontier has a frequent flyer program. Every time you fly with them you earn miles and if you do it enough you’ll actually find yourself sitting on a decent amount of them. The catch is that you’ll lose them if you ever go six months without flying Frontier. They don’t give you much time and I’m willing to bet that most people are never able to accumulate enough miles to make it worthwhile before they lose them all.

I was pretty disappointed to hear this at first since I was well on my way to a free flight but there’s a workaround…

Making a purchase on a Frontier Credit Card pushes this out another 6 months, eliminating the need to fly with them every 6 months (though let’s be honest, we usually do because we love them).

I carry their no annual fee card for this reason and this reason alone. The card is objectively awful but the earnings rate on their flights is pretty good (even on hilariously cheap airfare) and using this card to buy a can of soda (or whatever) every few months ensures that you’ll never lose those miles.

In addition, you’ll get 10,000 miles when you make your first purchase regardless of what you buy and that right there is enough for a lot of one way flights. On a no annual fee card, that’s quite the deal and since it’s not a minimum spend sign up bonus you don’t need to worry about wasting spend on a terrible credit card. You can buy something from the dollar store and get free one way airfare on a free credit card. Not bad…

Honestly, if you’re a cheap traveler then their annual fee card is a great card for you provided you fly with Frontier often and you should look into that and weigh the pros and cons first and foremost. That said, it’s not right for everyone and for those people… get their no annual fee card (just don’t use it all that often). You’ll thank me later.

Oh, and PS: We’d be really, super happy if you went to Facebook and gave us a like. We won’t spam your news feed with garbage, we’ll just alert you of new discount travel articles and when we come across great deals on airfare and hotels.

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