JetBlue Card Review: Good for Points, Light on Perks

The JetBlue Card isn’t a game changer, but if you live on the East Coast and you’re in the market for an entry-level airline rewards card, it can be worth it. The card gets you 3X points on JetBlue purchases and accelerated rewards on restaurant and grocery store purchases. It also offers 50% savings on eligible JetBlue in-flight purchases — all for a $0 annual fee.

That said, it has a mediocre sign-up bonus and doesn’t offer common travel benefits provided by many other airline rewards cards, like free checked bags or priority boarding.

If you fly JetBlue more than twice per year, the JetBlue Plus Card is a much better choice. Although it charges a $99 annual fee, it comes with a more valuable sign-up bonus, a higher rewards rate on JetBlue purchases and more robust benefits — which can easily offset its annual fee.

Also, beware: JetBlue has a small flight network. If you don’t live near a JetBlue hub, a general travel card like the Wells Fargo Autograph^® Card may be better.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good / Excellent

Rewards Rate: 1X - 3X points

• Earn 3X points on eligible JetBlue and Paisly purchases
• Earn 2X points at restaurants and grocery stores
• Earn 1X points on all other purchases

Welcome offer: 10,000 points

• Earn 10,000 bonus points after making $1,000 in purchases within 90 days of account opening.

---

Rates

• Intro purchase APR: N/A
• Regular purchase APR: 20.24% - 29.99% variable
• Intro balance transfer APR: 0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening
• Regular balance transfer APR: 20.24% - 29.99% variable
• Regular cash advance APR: 29.99% variable
• Penalty APR: N/A

---

Fees

• Annual fee: $0
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: The greater of $10 or 5% of the transfer
• Foreign exchange fee: 0%
• Late fee: Up to $40

---

Other benefits

• Earn points toward Mosaic status
• No blackout dates
• Pool points with friends and family
• Save 50% on eligible inflight purchases
• $0 fraud liability protection

• Modest sign-up bonus

  The JetBlue Card lets you earn 10,000 bonus points after making $1,000 in purchases within 90 days of account opening.

  This sign-up bonus won’t turn heads, but it’s reasonable for airline cards that don’t charge annual fees. In fact, you may be able to squeeze a cheap domestic plane ticket out of it. For example, we found a one-way JetBlue flight from New York (JFK) to Los Angeles (LAX) for 9,500 JetBlue points.

  When will your bonus points be posted?

  JetBlue states in its terms and conditions that your bonus should appear on your next billing statement after you’ve qualified for it, though it may take four to six weeks.
  
  Some cardmembers have reported delays in receiving their full sign-up bonus or points taking a very long time to post. Others have noted issues with points posting to the wrong account, so be sure your card is correctly linked to your TrueBlue membership.

• Earn 3X points on JetBlue purchases

  With the JetBlue Card, you’ll earn 3x points on eligible JetBlue and Paisly purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases. That’s a decent rate on JetBlue purchases, though the card’s everyday rewards — and the below-average value of JetBlue points — make it less competitive than similar cards.

  Purchases made at large warehouse stores, like Target, Walmart or Costco, typically don’t qualify under the card’s grocery category.

• JetBlue Card points are easy to redeem

  Booking flights with JetBlue points is pretty easy. LendingTree’s research finds the airline’s site easy to navigate, with solid award availability and points that never expire. Depending on the route, fares can range from under 10,000 JetBlue points to well over 100,000 JetBlue points.

  Usability overall score = Good (3.3 out of 5)*
  Miles expiration	5 out of 5*
  Flight network	2.5 out of 5*
  Award availability	5 out of 5*
  Ease of booking	4 out of 5*
  Complexity	0 out of 5*

  *According to LendingTree’s credit card methodology

  An example of a good redemption with JetBlue could include a Caribbean vacation: We found a round-trip Blue ticket from New York to Antigua for a weeklong escape in March 2026 for just under 27,000 JetBlue points. We also found an offseason round-trip Blue fare to Paris for as little as 24,100 JetBlue points in February 2026.

  JetBlue now lets members book Blue Basic fares with points, though cardholders warn it’s often not worth it — the added fees can quickly eat into your savings.

• 50% in-flight savings

  You’ll get a generous 50% discount on eligible in-flight purchases — including food, beer, wine and cocktails — typically issued within four to six weeks of your purchase with the JetBlue Card. Just note that extras like earbuds, pillows or seat upgrades don’t qualify.

• Points are worth more than airline programs

  JetBlue points are worth about 1.3 cents each by LendingTree’s estimates, beating the value of other airline miles programs like United MileagePlus and Delta.

  Airline	Frequent flyer program	Average value of one mile	Compared to average (%)
  Alaska Airlines	Atmos Rewards	$0.018	39%
  JetBlue	TrueBlue	$0.013	0%
  American Airlines	AAdvantage	$0.012	-8%
  Southwest Airlines	Southwest Airlines	$0.012	-8%
  United Airlines	MileagePlus	$0.011	-15%
  Delta Air Lines	SkyMiles	$0.011	-15%
  Average		$0.013

  *According to LendingTree’s methodology

• Pool points with family and friends

  JetBlue’s free Points Pooling program lets up to seven TrueBlue members combine their points into one shared balance. One person designated as the “pool leader” can choose who can redeem points in the pool. This is a rare perk among airline programs and makes the card especially useful for families looking to earn flights faster.

  You can’t pull points back once they’ve been pooled, so plan your pool timing carefully. Here are some tips for points pooling:

  • Use strong two-factor authentication, a unique password and a permanent email address (not one that might get deactivated)
  • Agree ahead of time who redeems, for what trips and how far in advance
  • Plan for a leader handoff ahead of time if a leader may be unavailable or inactive
  • Invite people with the exact name/email on their TrueBlue account to avoid invite errors
  • Keep a list of everyone in your pool’s contact information for calls as needed
  • Keep a simple, shared log that includes date, contributor, points added and redemption made to avoid confusion

• Earn points toward Mosaic status

  With the JetBlue Card, you can earn Mosaic status (elite status in JetBlue’s loyalty program) faster. You’ll earn 1 tile toward elite status for every $1,000 you spend.

  There are four levels of Mosaic status — Mosaic 1 through 4 — and you’ll unlock extra perks as you move up, including:

  • No charge for changes and cancellations on flights
  • Two free checked bags
  • Mosaic boarding
  • Expedited security lanes at select airports
  • Complimentary in-flight alcoholic beverages

  Is it worth spending on your JetBlue Card to earn status?

  You’d have to spend at least $50,000 on your card to earn the first level of Mosaic status — that’s probably not worth it. That spending could easily earn an award flight or two with a card like the Chase Sapphire Preferred^® Card.

• No foreign transaction fees

  The JetBlue Card skips foreign transaction fees, making it a solid pick for international travelers — especially since many cards still charge up to 3% on overseas purchases.

• JetBlue has a limited flight network

  JetBlue’s network is strongest on the East Coast, with limited reach in the Midwest and only a handful of routes out West. If you don’t live near one of these hubs, then another travel card may be better for you:

  • New York
  • Boston
  • Fort Lauderdale-Hollywood, Fla.

  • Los Angeles
  • Orlando, Fla.
  • San Juan, Puerto Rico

• Few airline perks

  The JetBlue Card offers few airline-specific perks — typical for a no-annual-fee card. Frequent flyers who check bags or visit lounges may get more value from a higher-tier airline card, even with the added cost.

  According to a LendingTree analysis of 37 airline credit cards, the best airline perks are typically reserved for annual fee cards. Here’s how many cards offer the following perks:

  • Points or miles earned for spending: 37 out of 37 cards
  • Sign-up bonuses: 37 out of 37 cards (typically $1,000 to $3,000 in 90 days or three months)
  • No foreign transaction fee: 34 out of 37 cards
  • In-flight discounts: 20 out of 37 cards (usually a 20%-25% discount)
  • Priority boarding: 18 out of 37 cards — all but one have an annual fee.
  • Free checked bags: 13 out of 37 cards offer at least one free checked bag for you (and sometimes a companion) — all have an annual fee

• Seat redemption limitations

  JetBlue limits which seats you can book with points — EvenMore^® seats require cash unless you’re a Mosaic member. And while non-Mosaic travelers can now redeem points for Blue Basic fares, canceling your flight may trigger extra fees.

  In comparison, some competitors like United MileagePlus are less restrictive, letting you redeem miles for a variety of seats, including preferred seating or extra legroom with Economy Plus.

	JetBlue Card	JetBlue Plus Card
Annual fee	$0	$99
Rewards rate	1X - 3X points Earn 3x points on eligible JetBlue and Paisly purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases.	1X - 6X points Earn 6x points on eligible JetBlue purchases, 2x points at restaurants and eligible grocery stores and 1x points on all other purchases.
Sign-up bonus	10,000 points Earn 10,000 bonus points after making $1,000 in purchases within 90 days of account opening.	60,000 points Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days and earn 20,000 bonus points after spending $6,000 within the first year.
Benefits	Earn Mosaic status faster No blackout dates 50% in-flight savings Earn and share points with family and friends Points Payback No foreign transaction fees	JetBlue Card perks plus: 5,000 point anniversary bonus $100 annual statement credit after purchasing JetBlue vacation package worth $100+ Free first checked bag 10% of your points back when you redeem

The JetBlue Plus Card is the superior choice for JetBlue loyalists. It provides double the rate of rewards on JetBlue purchases and a much larger sign-up bonus. Plus, you’ll get valuable perks, including 5,000 anniversary points, a $100 annual statement credit when you purchase a JetBlue vacation package of $100 or more and free first checked bag for you and up to three companions. By taking just two round-trip flights per year, you’ll save at least $140 on checked bags, which more than compensates for the annual fee.

How to decide if the JetBlue Plus Card is right for you: Use this calculation — Trips/Year × Bags × Bag Fee (varies from $35-$60) versus the $99 annual fee. If your savings exceed the annual fee, the card is worth it.

JetBlue Card vs. Wells Fargo Autograph^® Card

The Wells Fargo Autograph^® Card is a better no-annual-fee travel card because of its higher rewards rate and more flexible redemption options.

It offers higher earning rates across more categories and the freedom to redeem points with any airline — or transfer them to partners, often at a 1:1 ratio, for even greater value. Wells Fargo’s partners include:

It also comes with more travel protections than the JetBlue Card, like an auto rental collision damage waiver, roadside dispatch, travel and emergency assistance services and emergency cash disbursement and card replacement.

---

JetBlue Card vs. The New United Gateway℠ Card

If you want a $0-annual-fee airline card with more destination options, The New United Gateway℠ Card is the better bet. It’s a solid card that comes with several United benefits, including two checked bags free after spending $10,000, 25% back as a statement credit on United in-flight and Club premium drink purchases and cardmember award pricing after you spend $10,000 in a calendar year.

It also offers a strong sign-up bonus and rewards rate plus solid travel protections, like auto rental coverage and trip cancellation and interruption insurance, which the JetBlue Card does not.

The JetBlue Card works well for occasional JetBlue travelers who want to earn rewards without paying an annual fee. But if you fly the airline more than twice a year, the JetBlue Plus Card‘s added perks can pay for themselves.

Still, travelers seeking more flexibility may get better long-term rewards from a general travel card like the Wells Fargo Autograph^® Card, especially if they don’t live near a JetBlue hub.

→ Want more flight options? See the best travel credit cards

We take a comprehensive, data-driven approach to identify the best travel credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

• Average value over two years (80% of rating)
  We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
• Flexibility of rewards (15% of rating)
  We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
• Other features (5% of rating)
  We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.