it is important to note that the rule doesn't discriminate people that have a credit card and those that don't. The rule gives preference to Spirit branded CC holders over any others (you could even have Amex Black but not get the same deal). This happens all the time (with other airlines/hotels, etc.) and is NOT illegal.
You could compare this to bundling of products and services in an alliance. E.g. if you have a coke can, you get $20 off the admission ticket to Six flags.
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