JetBlue Plus Card Review

Full Review of JetBlue Plus Card

Pros Explained

• Attractive Introductory Offers: This card welcomes you with both a points bonus, based on relatively low spending, and the option to transfer a balance to the card, albeit in exchange for paying a balance-transfer fee. You get the 80,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days. This spending threshold is fairly low for a bonus that, according to our points valuation, is worth $1,363 when used for JetBlue flights. The introductory 0% APR on balance transfers applies for the first 12 billing cycles, a fairly customary length for such offers. You must, however, complete the transfer within 45 days of opening the card account and pay a transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
• Generous Points Earnings: You'll earn unlimited 6 points for each dollar you spend on JetBlue purchases. Based on our valuation of 1.42 cents per point for JetBlue flights, that amounts to an estimated 8.5% return on your Jet Blue spending, an exceptional rate. Another card perk boosts earnings further still, a feature that returns to your account 10% of the points you’ve used to buy an awards flight once you complete the trip—which essentially reduces by a tenth the net points you spend on a flight. Finally, you earn an additional 5,000 points, worth an estimated $71 when used for flights, on your card anniversary, regardless of how much or how little you’ve used the card over the year. You can also earn unlimited 2 points per dollar spent on restaurant and grocery store purchases, which makes the card at least as rewarding as cash-back cards that earn 2% on these purchases—so long as you value rewards that allow you to buy JetBlue flights as much as you do cash.
• Multiple JetBlue Perks: When you use your card to pay for your flights, you and up to 3 travel companions on the same reservation that have purchased (standard) Blue fares will receive their first checked bag free on JetBlue-operated flights. High rollers who own the card can also automatically earn JetBlue's Mosaic status, the highest level in the company's loyalty program, if they spend a certain dollar amount on the card within a calendar year. Mosaic's perks include free same-day switches, rebates for Even More Space seats, early boarding, and complementary alcoholic beverages onboard. Cardholders also receive a once-a-year $100 statement credit that can be used towards JetBlue vacation packages.

Cons Explained

• Annual Fee Isn't Waived the First Year: The JetBlue Plus card will cost you $99, even in your first year with the card. Some other travel credit cards waive the annual fee during the first year as an incentive to try out the card, and to increase its initial net benefits.
• Limited Redemption and Transfer Options: There are few ways to redeem or transfer the card's points other than for JetBlue flights or vacations. The only partner airline that you can use your points on is Hawaiian Airlines. Other carriers allow you to redeem your points for flights with a large network of partner airlines worldwide.

With its rewards heavily geared to buying JetBlue flights, the JetBlue Plus card is strictly for those who fly the airline or are looking to begin doing so. The more you fly and spend with JetBlue, the more rewards you earn, of course. But even casual travelers on the airline may find value in this card.

In part, that's because the card's 5,000-point anniversary bonus, worth an estimated $71 when used to buy flights, can partially justify the card's $99 annual fee. You could further justify the remaining $28 by charging $329 a year in JetBlue purchases or $986 in gas and groceries. Alternatively, taking advantage of the card's free checked bag perk just once (a $35 value) would help with the justification. 

In the first year of owning the card, the introductory points bonus provides an estimated $852 in value for buying flights, which justifies the annual fee many times over.

JetBlue Plus Card Bonus

First-time cardmembers can earn 80,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days. This bonus is worth an estimated $852 according to our valuations, which is an impressive return on only $1,000 of spending and paying the $99 annual fee.

The 80,000 bonus points are typically deposited in your TrueBlue account about four to six weeks after your qualifying transactions have posted to your card account.

Rewards Earning Details

You can earn points on the JetBlue Plus credit card in a number of ways. You earn 6 points per dollar on JetBlue purchases, 2 points on restaurant and grocery store purchases, and 1 point on all other purchases. There are no limits to the number of points you can earn and the rewards never expire.

You also receive 5,000 bonus points annually, which you earn on your account anniversary. To earn these points, your account must be open, active, and in good standing. These points are usually deposited within four to six weeks after your anniversary date.

When you redeem your rewards for JetBlue-operated flights, you earn 10% of your points back as a bonus. The points are deposited into your TrueBlue account roughly four to six weeks after you take your flight. Your account must be open when you take the flight to earn these bonus points.

Rewards Redemption Details

The main way to redeem rewards is for JetBlue flights. The number of points required to book a flight fluctuates in step with any changes in the fare itself. You can also use points to book Hawaiian Airlines flights. You can only transfer points to other people's JetBlue accounts, not to any other loyalty programs in which you have a membership. 

How to Maximize Your Rewards

Earning the most points you can on your JetBlue Plus credit card begins with spending $1,000 in your first 90 days and paying your annual fee. From there, you will receive 80,000 bonus points which we estimate to be worth $710. This perk is valuable enough that it’s worth achieving that spending minimum even with everyday purchases that earn a meager 1 point per dollar spent.

Before and after those initial three months, be sure you put all JetBlue purchases on your card, to take advantage of the 6 points-per-dollar earnings for those transactions.

If you don't have another card that offers a higher reward on restaurant and grocery store purchases, you’ll want to charge those expenses to your JetBlue Plus as well; that way, you’ll earn the card’s second-best rewards rate of 2 points per dollar spent. The same applies to other purchases as well, although it’s more likely another card you own may beat the 1 point per dollar rewards you’ll earn by charging those to the JetBlue Plus.

When it comes to using the points you've earned with the JetBlue Plus card, redeeming them for the JetBlue award flights. This is where you'll get the most value for your points, 1.42 cents per point, according to The Balance's valuation. Furthermore, this is the best option because you'll get 10% of your points back after taking the flight, when redeeming for award flights.

The card also sweetens the deal with an annual $100 statement credit on vacation packages that cost at least that amount. When you factor in the flight, hotel, and any other components, it's hard to imagine any packages not costing at least $100. Make sure the $100 credit will save you more money than other booking and vacation options before going this route.

JetBlue Plus Card's Outstanding Perks

• 10% points back on award-flight redemptions
• Earn 5,000 bonus points on your cardholder anniversary
• Free first checked bag
• Get a $100 statement credit for a JetBlue Vacation package purchase. Available once each calendar year you purchase a $100 or greater JetBlue vacation package
• 50% savings on eligible inflight drink and food purchases

Cardholder Experience

Barclays ranked seventh out of 11 national card issuers in the J.D. Power 2021 U.S. Credit Card Satisfaction Study. The bank scored 792 way below the average of 809. No outstanding customer service features are offered on this card, but you can contact Barclays U.S. at 866-928-8598 or by sending a secure message once logged in to your account on their website.

Security Features

The security features this card offers are generally standard for the industry. They include the ability to temporarily lock and unlock your card if you misplace it. This prevents new and non-recurring transactions from being approved when the card is locked which is helpful until you find where you misplaced your card.

If you can't find your card, you can request a replacement. When traveling overseas, you can request a PIN and use your card's chip and PIN capability to make purchases at unattended terminals that don’t offer other purchase options.

Fees to Watch out For

This card charges a $99 annual fee that isn't waived in the first year, as with some other cards. However, the card imposes no foreign transaction fee, which is an especially helpful plus for an airline card. Otherwise, the fees are pretty standard for a card of this type.

If you do plan to transfer a balance to take advantage of the introductory 0% APR on balance transfers for the first 12 billing cycles, make sure the balances transfer within 45 days of account opening. Additionally, be aware there is a balance transfer fee of $5 or 5% of the amount of each transfer.

Our Verdict

Despite its $99 annual fee, the JetBlue Plus card offers fine value, even to those who travel only a few times a year on the airline. In the first year of card ownership, the 80,000-point one-time offer, worth an estimated $710, will allow you to justify the fee many times over. In subsequent years, the 5,000-point bonus, worth about $71, helps cover most of the annual fee.

The 6 points-per-dollar reward for purchases with JetBlue makes this card all but unbeatable for purchases from the airline. The 2 points-per-dollar earnings for gas and groceries purchases are also competitive with rewards offered by many other cards. But the 1 point-per-dollar spent earned on all other purchases is relatively lackluster. Consider pairing this card with one that delivers a universal 1.5% or more in cash back in order to maximize your rewards value on general spending.

If this card doesn't seem like a good fit due to the annual fee, but you still want a JetBlue credit card, consider the JetBlue card. It offers only 10,000 bonus points for spending $1,000 in the first 90 days. It offers 3 points per dollar spent on JetBlue purchases, half as much as the Plus card. The other points earning categories and rates are the same. Additionally, you still get 50% off on in-flight food and drink.

Neither JetBlue card offers travel perks such as lounge access or seat upgrades. Those who fly on multiple airlines and want a card that provides such luxuries may instead favor a generic travel credit card. Such a choice would allow you to use the points you earn for a variety of travel purposes and with a range of airlines.