Credit Card Credit Card Reviews

JetBlue Credit Card Review

overall rating
3.9

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The JetBlue Card offers a generous 3 points per dollar on JetBlue purchases and 2 points per dollar spent at restaurants and grocery stores. It has an introductory 0% APR for 12 months on balance transfers. It has no annual fee and charges no foreign transaction fees.

JetBlue Card

overall rating
3
JetBlue Card
On Barclaycard's Secured Site.

Current Offer:

You will receive a one-time 10,000 TrueBlue points bonus after spending $1,000 on purchases within the first 90 days after you open your account.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases.
INTRO BALANCE TRANSFER APR 0% for 12 Billing Cycles
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

Full Review of JetBlue Credit Card

Pros
  • Higher rewards on JetBlue purchases and at restaurants and grocery stores

  • Generous one-time offer

  • In-flight discounts

  • 0% intro APR on balance transfers

  • No foreign transaction fees

Cons
  • Few standard benefits

  • Higher rewards rates found elsewhere

Pros Explained

  • 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.

Cons Explained

  • 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

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer

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. 

Average Case

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.

Aspirational Case

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.

Standard Benefits

  • Points pooling
  • No blackout dates
  • $0 Fraud Liability protection
  • Chip technology

Cardholder Experience

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.

Security Features

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.

Our Verdict

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.

Apply Now
For JetBlue Card
on Barclaycard's Secured Site.
Compare This Card
See how this card compares to similar cards
CURRENT CARD
JetBlue Card
overall rating
3.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.