Full Review of JetBlue Credit Card
Higher rewards on JetBlue purchases and at restaurants and grocery stores
Generous one-time offer
0% intro APR on balance transfers
No foreign transaction fees
Few standard benefits
Higher rewards rates found elsewhere
- Higher Rewards on JetBlue Purchases and at Restaurants and Grocery Stores: This card offers 3 TrueBlue points per dollar spent on JetBlue purchases, and 2 points per dollar spent at restaurants and grocery stores. Not all basic airline cards offer additional bonus categories that are higher than the 1.5% cash back some of the more generic rewards cards offer on all purchases.
- Generous One-Time Offer: Any time a no annual fee credit card comes with a bonus it is a nice positive. This cards 10,000 point bonus is relatively easy to earn. You only need to spend $1,000 in the first 90 days—less than $350 a month.
- In-Flight Discounts: Cardholders get a 50% discount on in-flight food and drink purchases. While other airline-branded cards offer similar discounts, they’re typically 20% to 25%.
- 0% Intro APR on Balance Transfers: This card offers a nice and somewhat unusual benefit for an airline card: an introductory 0% APR on balance transfers for 12 months that posts to your account in the first 45 days of account opening. There is a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, for transfers that post to your account within 45 days of opening your account. Some other cards offer introductory $0 balance transfer fees for the first 60 days of being a cardholder, and extend the 0% for a longer time period but not the JetBlue card, unfortunately.
- No Foreign Transaction Fees: The JetBlue credit card doesn't charge foreign transaction fees and, as a Mastercard, is widely accepted around the globe. Many credit cards charge a 3% foreign transaction fee.
- Few Standard Benefits: While credit cards without annual fees aren't known for offering outstanding benefits, this airline card has less than the norm. Travel perks are limited to the in-flight discount on food and drink.
- Higher Rewards Rates Found Elsewhere: If you travel with JetBlue regularly, the JetBlue Plus card may be a better option. It offers 6 points per dollar spent on JetBlue purchases and a bonus of 40,000 points. It does have an annual fee of $99, though. Other no annual fee credit cards offer higher rewards rates at restaurants or grocery stores and some offer larger bonuses, too. The American Express Blue Cash Everyday card offers 3% cash back at U.S. supermarkets (up to $6,000 a year in purchases) along, and the Bank of America Travel Rewards card's bonus offer is worth $250.
This Card is Best For
Resists or refuses an annual fee on principle or due to cost
Seeks the recognition and perks of branded travel partner status
Flies often for business or leisure
The JetBlue card is for people with good to excellent credit who fly on JetBlue occasionally, want to earn flights as their primary form of rewards, and don’t want to pay an annual fee.
With no annual fee to justify, the TrueBlue points earned through the bonus, JetBlue purchases, and spending at restaurants and grocery stores help you literally earn an award flight.
Consumers open to paying an annual fee might be better served by another rewards or cash back credit card. For instance, the JetBlue Plus card offers a more lucrative bonus, rewards structure, and benefits, for a $99 annual fee.
JetBlue Credit Card Bonus
First-time cardholders earn 10,000 TrueBlue points for spending $1,000 in the first 90 days after account opening. This bonus is worth up to $150 based on our points valuation methodology.
Bonuses aren't typical of credit cards with no annual fee but there are some offering higher bonuses, such as the Chase Freedom card's $200 bonus and the Bank of America Travel Rewards card's 25,000 point bonus.
Rewards Earning Details
Earning rewards with this card is extremely easy. Cardholders earn 3 points per dollar spent on JetBlue purchases, 2 points per dollar spent at restaurants and grocery stores, and 1 point per dollar spent on all other purchases. Purchases at superstores and warehouse clubs, like Target, Walmart, and Costco, do not count as grocery store purchases, however.
TrueBlue points never expire and there's no limit to the number of points you can earn with this card. However, points not yet transferred to your JetBlue TrueBlue account may be forfeited under certain circumstances.
Rewards Redemption Details
Cardholders have four ways to redeem TrueBlue points.Redeeming points for flights through JetBlue results in an average value of 1.3 cents per point. But you can do a little better redeeming points through JetBlue’s vacation package option to pay for the flight portion of a flight and hotel package. With an up to a 10% discount on the flight price, this option increases your value to about 1.5 cents per point.
Unfortunately, JetBlue does not have an award chart. The points needed to book an award flight vary based on the current fares for flights.
You can also book flights through Hawaiian Airlines by calling 800-538-2583. Redemption rates will vary based on the flights you choose.
Finally, you can redeem points to pay for magazine subscriptions. You won't get as much value for your points if you choose this option.
How to Maximize Your Rewards
Maximizing your rewards is straightforward. Simply charge all JetBlue, restaurant, and grocery store purchases on this card. There are no rotating categories or spending caps to worry about.
Over a year, an average family spends $3,365 dining out and $4,363 on groceries. This combined spending would result in 15,456 points worth up to $231.84, according to our valuations, without accounting for any points earned on JetBlue purchases or any other purchases on the card. Add the 10,000 mile bonus, and you should have enough points for certain round-trip flights if you’re flexible with your flight dates, times, and locations. You will have to pay applicable taxes and fees.
In an aspirational case, you may decide to save up your points for three years to purchase an international ticket. Based on the example above, you would have at least 46,368 points worth $695.52, according to our valuation, before accounting for points earned for JetBlue purchases or all other purchases. JetBlue's flight finder pulled up a round-trip flight from Boston to Aruba for less than this point balance. The only charge was for the applicable taxes and fees.
- Points pooling
- No blackout dates
- $0 Fraud Liability protection
- Chip technology
Barclays U.S., the issuer of the JetBlue card, received a score of 806 in J.D. Power's 2019 customer satisfaction study, which matches the national issuer average.
This card doesn't have any outstanding features that enhance customer experience. You can contact Barclays US at 866-928-8598 or by sending a secure message when logged in to your account.
While the JetBlue card offers the standard security features, it also offers a couple of nice benefits you may want to use. In particular, you can lock your card within the app to prevent new, non-recurring purchases if you lose or misplace your card. It also allows you to set transaction limits and control spending across merchant categories.
If you lose your card, you can get a complimentary replacement via standard mail in seven to 10 business days. If you don't mind paying a $15 fee to expedite your replacement card, you can get it faster. You can also request a PIN to make chip and PIN transactions when traveling overseas.
The JetBlue card's rewards on JetBlue purchases, restaurants, and grocery stores make this a decent card for consumers looking to avoid paying an annual fee. The 10,000 bonus points for spending $1,000 within 90 days is a nice added benefit, as is the 0% APR for balance transfers for 12 months.
This card is best for those who want to earn JetBlue flights and don't mind working and waiting to have enough points. That said, you can find other credit cards with better rewards earning potential for both JetBlue points or other types of rewards, with and without an annual fee.