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Advertiser Disclosure

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Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

JetBlue Credit Cards: Everything You Need To Know

Image of JetBlue Plus Card
87
"A great card for people who spend more than $920 per year on JetBlue flights, and on dining and grocery expenses."

Contents

JetBlue Credit Card Pros

  • JetBlue perks including in-flight discounts and credits on Getaway packages
  • No foreign transaction fees

JetBlue Credit Card Cons

  • Due to few alliances, JetBlue points not as flexible as other airlines

We took a look at this offering from Barclaycard and JetBlue that focuses on offering additional TrueBlue points and JetBlue travel perks for cardholders.

After 10 years of partnering with American Express, JetBlue has switched over to Barclaycard and Mastercard. The new JetBlue credit card from Barclaycard is by all measures an improvement over the old Amex card, so consumers don't have to worry about losing out. For those who still wish to explore alternatives, we go over the best candidates in a section below.

Review: Is The JetBlue Card Worth It?

For a majority of consumers, the getting a JetBlue credit card will be a good deal – provided you travel at least once per year with the affiliated airline. There are two personal JetBlue credit cards - the JetBlue Plus Card and the no annual fee JetBlue Card. Between the free checked baggage benefits, airline credit, and anniversary bonus, the JetBlue Plus Card is well worth, despite the high $99 annual fee. If you can’t take advantage of the many discounts and bonuses the card provides, then the JetBlue Card, which has no annual fee, will be the better option. Generally speaking, if you spend at least $920 on JetBlue purchases per year, the JetBlue Plus Card is the one to get. We explore differences between the two cards in more detail below.

To break even given the JetBlue Plus Card's $99 annual fee, you'll need to take advantage of the rewards or you'll be losing money every year. This can either be done by booking a single JetBlue ticket each year, or by earning around 8,250 points on the card annually. If you're charging JetBlue-specific expenses to the card, you'll have to spend just $125 annually to recover the annual fee, assuming a 7.9% rewards rate - that means one JetBlue ticket per year will have you covered.

The JetBlue credit cards also have some fantastic everyday use - they earn 2 TrueBlue points per $1 whenever you use them to pay for groceries or when dining out.

Bottom Line: If you fly with JetBlue once a year and check bags, book vacation getaways, or spend heavily on groceries and dining out, the JetBlue Plus Card is hard to beat. For those who travel less frequently, or are low spenders, the no annual fee JetBlue card might be a better bet, though at that point you may benefit more from a fixed rate cash back credit card.

JetBlue Credit Card Features, Benefits And Rewards

The primary benefit of using the JetBlue credit cards is all the extra TrueBlue points it will earn you. Using the cards to pay for flights with the co-branded airline will result in earning 6 points for every $1 spent on the JetBlue Plus Card, and 3 points per $1 on the ordinary JetBlue credit card. That's on top of the 3-6 points per $1 you'd normally earn for booking a flight. In addition to this, cardmembers who charge groceries or dining out at restaurants to the card earn an additional 2 points per $1, and 1 point per $1 everywhere else.

JetBlue Plus Card users who redeem their points will also receive a 10% points dividend. That means if you redeem 10,000 points towards a flight, 1,000 will be credited back into your account. Given we estimate the value of a TrueBlue point to be $0.012, all of this translates to a rewards rate that varies between roughly 1.3% and 7.9%. The same benefit is not available on the no annual fee version of the card.

Here's how we calculate the rewards rate on the JetBlue Plus Card. Say you spend $1,000 on JetBlue tickets. You will earn 6,000 TrueBlue points through the credit card. These are worth roughly 6,000 x $0.012 = $72. You also get 10% of the points back when redeeming, which is an extra 600 points x $0.012 = $7.20. In total, you earn $72 + $7.20 = $79.20, for a rewards rate of $79.20 / $1,000 = 7.9%. 

Spending at least $1,000 on purchases within the first 90 days on the JetBlue Plus Card will qualify users for a 30,000 point bonus. We value this welcome gift at $360. Those who meet the same requirements with the JetBlue Credit Card will receive just 5,000 points. Those with a JetBlue Plus Card and Business credit card account will also be awarded 5,000 bonus points each anniversary year. The value of this award is $60, which puts a nice dent into the card's annual fee.

Cardmembers who receive this card as an upgrade from their old Amex JetBlue credit card have a chance to earn a $100 companion bonus. In order to qualify, cardmembers must spend at least $500 on their new credit card by June 30th.

Jet Blue Credit Cards

JetBlue CardJetBlue Plus CardJetBlue Business Credit Card
 
Image of JetBlue Business Rewards Credit Card
Signup Promo 5,000 points 30,000 points 30,000 points
Annual Fee $0 $99  $99 
Anniversary Points None 5,000 5,000
APR 12.99%, 20.99% or 25.99% 12.99%, 20.99% or 25.99% 12.99% or 20.99%
Foreign Trans Fee 0% 0% 0%
50% In-Flight Discount Yes Yes Yes
First Checked Bag Free Benefit No Yes Yes
Earnings Rate
  • 3 points per $1 spent on JetBlue purchases
  • 2 points per $1 on grocery stores & restaurants
  • 1 point everywhere else
  • 6 points per $1 spent on JetBlue purchases
  • 2 points per $1 on grocery stores & restaurants
  • 1 point everywhere else
  • 6 points per $1 spent on JetBlue purchases
  • 2 points per $1 at office supply stores & restaurants
  • 1 point everywhere else
Credit Needed Excellent/Good Excellent Excellent/Good

For most consumers, the choice will be between the two consumer JetBlue credit cards. On the reward earning side of things, the products only differ in how much TrueBlue points you earn on JetBlue purchases. Therefore, we looked at how much you would have to spend with JetBlue each year in order for the $99 fee of the JetBlue Plus Card to become worth it. It turns out that if you spend $920 or less per year on JetBlue, you will actually be better off with the no annual fee card. Here is a table to illustrate what the your rewards would be worth on the different cards minus the annual fees.

Annual Spending on JetBlueNet Annual Rewards Through JetBlue Plus CardNet Annual Rewards Through JetBlue Credit Card
$500 $0 $18
$700 $16 $25
$900 $32 $32
$1,000 $40 $36

We base these numbers on the 1.2 cents value per point for JetBlue TrueBlue points. The comparisons change a little in favor of the JetBlue card if you use the points more aggressively to get a better conversion rate.

The new JetBlue credit card has much more everyday use potential than its Amex predecessor. Because you will earn 2 TrueBlue points per $1 on dining and groceries, this card produces above average rates in those categories - something the Amex version of the card never did. If your spending in these categories is limited compared to other places, general travel cards like the Barclaycard Arrival Plus or the Capital One® Venture® Rewards Credit Card will offer nearly twice as much in overall rewards.

Built-In JetBlue Perks Through The JetBlue Plus Card & Business Credit Cards

The JetBlue Plus Card as well and its business version come with two JetBlue specific perks: a 50% discount on select inflight purchases and an annual $100 statement credit towards JetBlue Getaways packages you reserve with the card. The inflight purchase discount applies only to food, alcoholic beverages, movies, pillows and blankets. The discount will come in the form of a statement credit posted to your credit card 6 - 8 weeks after your purchase. While the inflight discount is nice, we don't think it's necessarily a make or break perk since most travelers can do without those items on most domestic flights.

Also, If you spend at least $50,000 on either card in your second year, you will also qualify for one year of Mosaic status - JetBlue's elite membership program. Benefits include things like additional free checked bags, no cancellation or change fees on JetBlue flights, early boarding, and more. Normally, you would need to fly 30 segments and earn 12,000 TrueBlue points to qualify.

Redeeming Rewards For JetBlue Awards Flights

Your JetBlue Credit Card points can be redeemed for round-trip flights starting at 8,000 points and one way flights beginning at 4,000 points. This is done through the TrueBlue member website. Once you're logged in, you'll click on Manage My Points to pull up the redemption page. Points can generally be redeemed for awards travel on JetBlue, though a select number of other options exist. The other TrueBlue redemption options include magazine subscriptions as well as points redemption towards flights on Hawaiian Airlines.

What's The Value of TrueBlue Points?

The value of TrueBlue points varies between 1 and 1.8 cents. Overall, we estimate the value these points to be 1.2 cents. In order to determine this figure, we looked at a number of different JetBlue itineraries and compared their prices in USD to the price in TrueBlue points. We divided the USD price by the point price, and then averaged over all the results to arrive at the value above.

In the example above, you can see that a flight from Chicago's O'Hare Airport to New York's JFK will run you $72 or 4,300 TrueBlue points and $5.60 in taxes, on the Blue fare. To get the value of the points, we divide $72 / 4,300 to get a result of $0.017. After repeating this calculation over different times, dates, and fare classes, we arrived our value of $0.012.

JetBlue Business Credit Card

If you are a business owner who pays for frequent JetBlue flights throughout the year, the JetBlue Business credit card is a fantastic option to consider. The card comes with a $99 annual fee, and awards points in categories that are slightly more geared towards a business. Cardholders earn 6 points per $1 on JetBlue purchases, 2 points per $1 on office supply stores and restaurants, and 1 point per $1 everywhere else. The JetBlue Business credit card also comes with the 10% points dividend, just like the JetBlue Plus Card. That puts the card's rewards rate at 1.32% on general purchases, 2.64% on purchases of office supplies and spending at restaurants, and a whopping 7.9% on JetBlue spending. If you don't have any JetBlue expenditures, you will benefit from other business credit cards.

As you can see, the JetBlue Plus Card and the business version only differ inside the 2x category - the business card trades earning extra points on groceries for office supply stores.

Applying for the JetBlue Credit Card

What credit score do I need to apply for this card? The JetBlue Credit Card is marketed towards people with Good or Excellent credit. This means that you'll want a score of at least 690 to apply for the card. There is no guarantee that meeting this minimum score will get you approved for the card but it's one major piece of the application.

How Can I Apply for the Card? If you're currently an Amex JetBlue credit card user, you will receive the JetBlue Rewards Mastercard in the mail sometime in March. It is still unclear when the card will become available to new accounts, though we expect it to happen in the first half of 2016.

Other Credit Cards Useful For Frequent JetBlue Customers

As mentioned in the article, general travel credit cards can serve as a good alternative to the JetBlue credit card. You won't find another credit card that can directly earn you TrueBlue points. JetBlue is also is not part of any major airline alliance, so transferring points that can also be difficult.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card - one of the all-around best travel credit cards - is a great card to book JetBlue flights with. If you pay for your airfare with it, this card will earn you 2 Ultimate Rewards points for every $1. We value these points at $0.0125 each, if you use them to book travel through the UR travel center. Unfortunately, the reward points cannot be used to book JetBlue flights – most domestic travel available through the Chase service is restricted to Delta and American Airlines. You can, however, use the reward points you accrue as statement credit to pay off a JetBlue ticket. Doing this will devalue your points by 20%.

The Chase Sapphire Preferred® Card also comes with one of the best bonuses around – 50,000 bonus Ultimate Reward points for users who spend $4,000 on purchases in the first 3 months from account opening. If used as statement credit towards a JetBlue flight, that comes out to a value of $500 – enough to cover a round-trip flight from New York’s JFK to Los Angeles. By contrast, the old JetBlue credit card came with a bonus of just 20,000 TrueBlue points which, at a value of $0.012 per point, totals just $240 – 52% lower than the Chase Sapphire Preferred® Card bonus.

Chase Sapphire Preferred® CardJetBlue Plus Card
Annual Fee $0 intro annual fee for the first year, after that $95 $99
Bonus 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days
Rewards
2 points per $1 spent on travel & dining
1 point per $1 everywhere else
6 TrueBlue points for every $1 spent on JetBlue purchases
2 points per $1 on dining out and groceries
1 point per $1 everywhere else
APR 16.99%–23.99% variable APR 12.99%, 20.99% or 25.99%

Capital One® Venture® Rewards Credit Card

For consumers who spend less than $7,500 on travel and dining annually, or those who put other types of expenses on their credit card, the Capital One® Venture® Rewards Credit Card will be the better replacement for the JetBlue card. This card provides users with 2 miles for every $1 they spend, no matter where they shop. Those miles can then, in turn, be used as travel statement credit to pay down old purchases. This will cause users to walk away with a 2% rewards rate.

The Capital One® Venture® Rewards Credit Card has a 40,000 mile bonus that kicks in after you spend $3,000 within the first 3 months of account opening. That translates to $400 in statement credit – enough to cover most of a round-trip ticket from Chicago to Fort Lauderdale on JetBlue. This bonus is 66% more valuable than the one previously offered by the JetBlue Credit Card itself.

Capital One® Venture® Rewards Credit CardJetBlue Plus Card
Annual Fee $0 intro annual fee for the first year, after that $59 $99
Bonus 40,000 miles after you spend $3,000 on purchases in the first 90 days from account opening 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days
Rewards 2 miles per $1 spent anywhere
6 TrueBlue points for every $1 spent on JetBlue purchases
2 points per $1 on dining and groceries
1 point per $1 everywhere else
APR 13.99% - 23.99% (variable) 12.99%, 20.99% or 25.99%

Barclaycard Arrival™ World MasterCard®

One of the best travel credit cards with no annual fee, the Barclaycard Arrival™ World MasterCard® is an excellent alternative for low spenders. The card earns you 2 miles on every $1 spent on dining and travel expenses, and 1 mile per $1 everywhere else. Barclaycard's definition of travel includes airlines, so you can always earn 2 miles per $1 by booking JetBlue flights. Whenever you redeem these miles, you earn a similar 5% dividend as on the JetBlue Plus Card. That puts this card's rewards rate at 2.1% on travel and dining purchases, and 1.05% on everything else. In addition to this, Barclaycard Arrival™ World MasterCard® cardholders who spend at least $1,000 within the first 90 days of opening their account receive a bonus 20,000 miles - an estimated value of $210.

When is the Barclaycard Arrival™ World MasterCard® a better deal than the JetBlue Plus Card? The answer comes down to how much you spend. If you charge less than $1,350 towards JetBlue flights annually, the Barclaycard will be the better deal. Otherwise, you should favor the JetBlue Plus Card. When it comes to other types of purchases, the two cards are close, though the Barclaycard has the slight edge on dining out, while the JetBlue Mastercard performs better when shopping for groceries. If you'd like to see exactly how these cards fare against your specific budget, we recommend turning to our calculator below.

Barclaycard Arrival™ World MasterCard®JetBlue Plus Card
Annual Fee $0 $99
Bonus 20,000 miles after you spend $1,000 on purchases in the first 90 days from account opening 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days
Rewards
2 miles per $1 spent on travel and dining
1 point per $1 everywhere else
6 TrueBlue points for every $1 spent on JetBlue purchases
2 points per $1 on dining and groceries
1 point per $1 everywhere else
APR 16.24%, 20.24% or 24.24% (variable) 12.99%, 20.99% or 25.99%

Compare The JetBlue Credit Card To Other Travel Cards

For the most accurate comparison possible, you will want to see how the JetBlue credit card competes against other options based on your individual spending profile. Enter your estimated monthly spending into the tool below, and the calculator will do the rest - displaying for you the estimated 2-year rewards for each card.

Edit Monthly Spend: $1,430
General:
Gas:
Groceries:
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Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Barclaycard Arrival Plus™ World Elite MasterCard®
$89 - Waived first year 3.21%
$525
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
$1,157
Graph Card Read Review More Details
Annual Fee $89 - Waived first year
APR 16.99%, 20.99% or 23.99% Variable

Card Details

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.011 = $721
Bonuses
50,000 x $0.011 = $525
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 1,157
Chase Sapphire Preferred® Card
Introductory Annual Fee of $0 the first year, then $95 2.86%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.99% - 23.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028
Capital One® Venture® Rewards Credit Card
$0 intro for first year; $59 after that 2.85%
$400
Receive 40,000 miles once you spend $3,000 within the first 3 months
$1,027
Graph Card Read Review More Details
Annual Fee $0 intro for first year; $59 after that
APR 13.99% - 23.99% (Variable)

Card Details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Bonuses
40,000 x $0.01 = $400
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 1,027
JetBlue Plus Card
$99 1.83%
$330
$657
Graph Card Read Review More Details
Annual Fee $99
APR 12.99%, 20.99% or 25.99% Variable

Card Details

  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,760 x $0.011 = $525
Bonuses
30,000 x $0.011 = $330
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 657
JetBlue Card
$0 1.61%
$55
$580
Graph Card Read Review More Details
Annual Fee $0
APR 12.99%, 20.99% or 25.99% Variable

Card Details

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,760 x $0.011 = $525
Bonuses
5,000 x $0.011 = $55
Total Net Estimated Rewards Through 24 Months 580

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.