Which of the JetBlue Credit Cards is Best?
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New York City-based JetBlue Airways is the seventh-largest carrier in the U.S., based on the 42.7 million passengers it served in 2019.
Since coming onto the scene in February 2000, JetBlue has developed a loyal group of flyers out of New York City, along with focus cities in Boston, Long Beach, Calif., Fort Lauderdale, Fla., Orlando and San Juan, P.R. It operates 1,000 flights a day to more than 100 cities in the U.S., the Caribbean, and Latin America.
Travelers and businesses in JetBlue’s top cities might want to consider having one of its three credit cards, especially if they already belong to the TrueBlue loyalty program.
Below we’ll review JetBlue’s two consumer cards and one business card, point out what they have in common and show the pros and cons of each.
|Compare JetBlue credit cards|
|JetBlue Card||JetBlue Plus Card||JetBlue Business Card|
|Signup bonus||Earn 10,000 bonus points after making $1,000 in purchases within 90 days of account opening.||Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days. Earn an additional 50,000 bonus points after spending a total of $6,000 on purchases within the first 12 months.||Earn 50,000 bonus points after spending $1,000 on purchases within the first 90 days. Earn an additional 50,000 bonus points after spending a total of $6,000 on purchases within the first 12 months.|
|Rewards||Earn 3x points on eligible JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases.||6X points on JetBlue purchases, 2X at restaurants & grocery stores, 1X on all other purchases||6X points on eligible JetBlue purchases, 2X points at restaurants and office supply stores, and 1X points on all other purchases.|
|Regular purchase APR||15.99%, 19.99% or 24.99% variable||13.24%, 21.24% or 26.24% variable||15.99% - 24.99% variable|
|Foreign transaction fee||$0||0%||0% of the U.S. Dollar amount.|
Common benefits across JetBlue cards
All three cards offer no blackout dates on JetBlue-operated flights, points that don’t expire while the card is active and the ability to pool TrueBlue points with friends and family, as well as a 50% discount on purchases of in-flight cocktails and food. You can redeem TrueBlue points on JetBlue and Hawaiian Airlines flights, JetBlue vacation packages and magazine subscriptions, or transfer them to other TrueBlue members.
However, you’re limited to where you can fly with TrueBlue points. You can reach cities on the JetBlue route network, along with Hawaiian Airlines, which only serves 12 U.S. gateway cities, along with Japan, South Korea, Australia, New Zealand, American Samoa and Tahiti. But that leaves out large parts of the world, including Europe, most of South America, China, Southeast Asia and India.
TrueBlue points can be earned by shopping at Amazon.com when using your cards, but only earn when shopping there using Fly-Fi®, JetBlue’s high-speed, in-flight internet.
You can earn TrueBlue points through the TrueBlue Dining program and the TrueBlue shop, or with JetBlue partners, including Lyft, Avis rental car, Marriott Bonvoy, IHG Rewards Club and SoFi. You can also earn points on airline partners Emirates, Hawaiian Airlines, Icelandair, JetSuite X, Silver Airways, Singapore Airlines and South African Airways.
You only earn top points for travel on JetBlue flights — other cards offer higher points per dollar spent on items including hotels, rental cars, cruises, rideshares, homeshares, buses, trains and more. And only the business card comes with travel and purchase protection benefits.
Travelers who fly JetBlue regularly who want a branded credit card with $0 annual fee and don’t care about having travel and purchase perks.
What we like
No annual fee. This card is a solid option for someone who wants a basic, entry-level card with a $0 annual fee.
Solid points. Earn 3x points on eligible JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases. The points per dollar spent on JetBlue travel, restaurants and grocery stores are on par with other travel-related credit cards.
Things to watch out for
Small sign-up bonus. Earn 10,000 bonus points after making $1,000 in purchases within 90 days of account opening. Those points are barely enough to book a short-haul flight on JetBlue.
No travel perks. You don’t get a free checked bag or priority services with this card, and there’s no way to help you earn Mosaic elite status on JetBlue.
JetBlue Plus Card
Those who fly JetBlue regularly and want some benefits that make their travel experience a bit better.
What we like
Nice sign-up bonus. Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days. Earn an additional 50,000 bonus points after spending a total of $6,000 on purchases within the first 12 months. That’s enough to get you to many JetBlue destinations.
Good points. Cardmembers earn 6X points on JetBlue purchases, 2X at restaurants & grocery stores, 1X on all other purchases. The points per dollar spent on JetBlue flights are pretty generous.
Path to elite status. Earn TrueBlue Mosaic elite status if you spend $50,000 or more annually on the JetBlue Plus Card. You can also earn it by flying 30 segments plus 12,000 base flight points, or earning 15,000 base flight points within a calendar year.
Free checked bag. The cardmember and up to three travel companions on the same reservation who buy JetBlue’s lowest Blue fare each get a free checked bag free on JetBlue flights when using the card.
Get points back. Every time you redeem your TrueBlue points for a flight, you’ll earn 10% of your points back to use toward your next redemption.
Get a credit. Each calendar year you buy a JetBlue Vacations package of $100 or more with your card, you earn a $100 statement credit.
Anniversary bonus. On your JetBlue Plus Card account anniversary, you’ll get 5,000 bonus points added to your TrueBlue account as long as your credit card account remains open, active and in good standing.
Things to watch out for
No priority perks. Although you do get a free checked bag with this card, it doesn’t come with perks like priority check-in, security lines, boarding or luggage handling, which may be offered by competing airline credit cards.
High spending for elite status. Some may find it difficult to meet the annual $50,000 spending requirement on the card in exchange for Mosaic elite status.
Pay the fee. The JetBlue Plus Card has a $99 annual fee.
JetBlue Business Card
Business owners who rely heavily on JetBlue for travel.
What we like
Good bonus. Like the JetBlue Plus Card, this card also comes with a generous sign-up bonus. Earn 50,000 bonus points after spending $1,000 on purchases within the first 90 days. Earn an additional 50,000 bonus points after spending a total of $6,000 on purchases within the first 12 months.
Points for business categories. Cardmembers earn 6X points on eligible JetBlue purchases, 2X points at restaurants and office supply stores, and 1X points on all other purchases. It’s nice that businesses can earn more points at office supply stores.
Airline perks. Like the JetBlue Plus Card, this card also comes with a path to Mosaic elite status, a free checked bag for you and up to three travel companions on the same reservation, 10% of your TrueBlue points back when you redeem them for a flight, a yearly $100 credit for a JetBlue Vacations package and 5,000 bonus TrueBlue points on your card anniversary.
Help with elite status. Earn TrueBlue Mosaic elite status if you spend $50,000 or more annually on the card.
Business help. Get employee cards for free; set controls on these cards for credit lines, single purchase limits or cash access, and receive a consolidated statement with all purchases by you and your employees. Other benefits include the ability to separate business and personal expenses for simple recordkeeping and a dedicated credit line for your business.
Travel and purchase perks. The card comes with rental car collision loss damage waiver insurance, purchase protection and extended warranty. It also comes with free travel assistance, which includes help researching passport and visa restrictions, required and recommended immunization information and currency exchange rates. If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a family member, friend or business account.
Things to watch out for
Annual fee. The card has a $99 annual fee.
Work for status. If you don’t fly enough to earn Mosaic status, it may be hard to meet the $50,000 spending required every year required to get it, although it isn’t impossible if you earn points from your and your employees’ cards.
No airline benefits. The doesn’t come with priority check-in, security lines, boarding and luggage handling that come standard with other airline-branded business cards.
The bottom line
JetBlue offers credit cards that target passengers who are loyal to its brand. And let’s tell the truth — you do need to be loyal to the airline to make the cards work for you. Other airline credit cards offer more perks, such as priority check-in and boarding, fee credits, plenty of ways to redeem your points for flights and travel and purchase benefits. The JetBlue cards offer limited options when it comes time to redeem your points for flights, with no access to large parts of the world.
Here are some questions to ask before you hit the apply button:
- Do you want to pay an annual fee?
- Does the card offer higher points per dollars spent in top spending categories?
- How important is it to have airline travel perks?
- Are you willing to do the spending required for the sign-up bonus or for Mosaic status?
- Does the card offer enough travel and purchase protections?
- How helpful is the card when it comes to managing your business?
How these questions are answered will help you decide if one of JetBlue’s cards is best for your needs. Choose a JetBlue card if you want to maintain your loyalty to JetBlue and don’t care about earning higher points or travel perks. If not, then you may want to consider other airline or travel-branded credit cards that may give you more of what you want.