Did Spirit Airlines pull a bait-and-switch on a credit card application?

It’s no secret that airlines make a bundle by upselling customers on extras when they buy tickets, and one huge moneymaker is the affinity credit card. While you’re booking a ticket, a pop-up asks you if you want to save a little money by applying for a credit card. (What they often don’t tell you is that certain, highly-restrictive terms may apply.)

So when Pat Fancsali saw the offer for a free credit card — well, that offer looked too good to pass up.

Here are the details, as shown on the Spirit site:

FREE SPIRIT Onyx World Cardholder exclusive benefits include:
Get 15,000 bonus miles after your first purchase – which is enough for 3 roundtrip off-peak awards
Annual fee waived for the first year
Complimentary $9 Fare Club membership
Priority boarding and domestic priority check-in

Fancsali checked “apply now” and booked a ticket from Chicago to Fort Myers, Fla. And that’s when the trouble started.
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