JetBlue Credit Cards
40,000 JetBlue points
$1,000 initial spend
($450 net value, .45/$)Signup Bonus Chart
6x JetBlue purchases (≈7.8%)
2x Restaurants (≈2.6%)
2x Groceries (≈2.6%)
1x Everywhere Else (≈1.3%)
No Foreign Transaction Fee
If you fly on JetBlue a few times per year, you should make this card part of your core credit card collection. It is worth paying the $99 annual fee to get free checked bags, a 10% rebate on your award purchases, half-off any inflight food and drinks purchases, and 5,000 bonus points every year.
Even if you don't frequently fly on JetBlue, it is still worthwhile to sign up for the card to collect its signup bonus. 30,000 JetBlue points is worth about $450.
JetBlue Card Options
There are three different JetBlue cards.
- Plus version. Most people are going to want the Plus version of the card that is the primary focus of this guide. JetBlue Webpage.
- Business version. The business version has the same benefits and fees as the personal version. It's normal signup bonus is only 30,000 points, but the current offer is the 50,000 points. If you want to acquire a lot of points, and you have any kind of small business, you can sign up for it as well. Unlock Extra Reward Points with Business Credit Cards. JetBlue Webpage. Barclays Webpage.
- No-annual-fee version. The no-annual-fee version doesn't come with much in the way of a signup bonus or benefits. It isn't usually worth getting. But, if you've had the Plus version of the card for over a year, and you decide you want to cancel it, you can downgrade it to the no-annual-fee version instead, and keep some minor benefits. Barclays Webpage.
Introduction to JetBlue Points
JetBlue's frequent flyer program is called True Blue.
- Unlike most other frequent flyer programs, JetBlue operates a "fixed value" program. Rather than the required number of points being set by an award chart, it is based directly on the cost of the flight. That means there is no opportunity to get out-sized value from your points. But, it also means that you don't need to worry about getting terrible value either, and you can use your points without needing to find award space first.
- Points are worth about 1.5 cents each. Point values vary more than they do on Southwest, the other major fixed-value program. Depending on the specific flight, they can be worth anywhere between 1 and 2 cents per point. In general, you'll get less value per point on more expensive tickets.
- While you can transfer Membership Rewards points to JetBlue, you probably don't want to. You'll only get 800 JetBlue points for every 1,000 Membership Rewards points you transfer, and JetBlue points are worth less than those from many other Membership Rewards airline partners.
- You can pool your points with other family members. That makes it easier to gather together enough points to redeem a free ticket.
- You can redeem points on Hawaiian Airlines as well. As with JetBlue flights, you'll pay based on the seat cost.
- You can earn additional bonus points by earning badges for completing certain challenges. For example, you'll earn 5,000 points with the "Take 3" badge, by flying 3 round trip flights in a year,
- JetBlue offers great additional rewards for shopping at Amazon (but only if you are shopping on a JetBlue flight). Under normal circumstances, most online shopping portals only offer bonus rewards on limited categories of Amazon purchases. Hpwever, JetBlue will give you 3 points on almost all Amazon purchases.
- Points don't expire. Nice!
Collecting JetBlue Signup Bonuses
- It is worth signing up for this card, just to collect the signup bonus. The normal 40,000 point signup offer is valued at $520 (at 1.3 cents per point). After subtracting the annual fee, and the opportunity cost of using the card for $1,000 of spending, the calculated net value of the sign-up is $450 (45 cents per dollar spent). Your value may be higher or lower, depending on how much you value the points. How Much are Points Worth?
- Higher signup offers have recently been available. You may want to wait to see if the 60,000 point signup offer returns.
- You may be able to earn the signup bonuses from both the personal and business version of the card. If you have any kind of side business, you are entitled to apply for business cards. If so, you can get 40,000 points from the regular version, and 40,000 points from the business version. Unlock Extra Reward Points with Business Credit Cards.
- It is possible to earn the same signup bonus multiple times. Barclays has no real limit on the number of times you can get the bonus. Hold onto the card until close to the end of your first year, cancel it, wait a few months, and reapply.
However, if you have been actively signing up for credit cards, it can sometimes be hard to get approved for new cards from Barclays. If you really want to hold onto the card, don't cancel it, counting on being able to be re-approved for the card a few months later. But, if you are mainly interested in the signup bonus, there is little harm in trying.
If you are interested in holding onto the card for the long term, and you are eligible for the business card, your best strategy is to switch between them each year.
Earning Mosaic Status
If you spend $50,000 on the card during each calendar year, you'll earn Mosaic status with JetBlue. That's a lot of credit card spending, and probably not an interesting proposition for most people. If you fly JetBlue often enough to get a lot of value from Mosaic status, you might earn status the normal way. However, if you can generate a lot of spending, and fly JetBlue frequently enough to benefit from status, but not frequently enough to earn it, it might be an interesting option.
Mosaic status comes with:
- Greatly reduced point cost for "Even More Space" seats. You'll get around 10 cents per dollar, when you use your points to upgrade your seat.
- Free same-day flight changes, and waived change and cancellation fees.
- 2 free checked bags.
- Free drinks.
- Priority check-in.
- 3x bonus points per dollar, when flying JetBlue.
Other Notable Benefits
- Free checked bags. The first bag free for up to four passengers. Ticket purchases must be made with the JetBlue card. Get Free Checked Bags with Airline Credit Cards.
- 10% rebate on award redemptions.
- 5,000 anniversary points.
- 50% discount on inflight food and beverage purchases.
- $100 credit on JetBlue vacation packages. Good once per year, and you need to purchase the package with the card.
- Free cell phone insurance (starting July 1st). All Mastercard World credit cards include cell phone insurance if the use the card to pay their cell phone bill. Unlike most other credit card cell phone policies, the insurance even covers cosmetic screen scratches. The deductible is $50 and the maximum liability of $800 per claim and $1,000 per year.
- Elite car rental status. As with all World Elite MasterCards, you get free National Emerald Club Executive and Sixt Platinum status. Get Elite Car Rental Status from a Credit Card.
- Access to MasterCard's luxury hotel program. Another benefit of having an high-end MasterCard, is access to MasterCard's luxury hotel program. When you use the program to book at one of the participating hotels, you'll get a number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks.
- Free ShopRunner membership. Like all World Elite MasterCards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner.
- Some additional discounts. If you pay for at least 5 Lyft rides each calendar month with your Mastercard, you'll receive a $10 Lyft credit good for the following month (once you enroll in the Lyft app). You also receive double Fandango points, a 5% reward rebate at Boxed, and $5 off every Postmates order of $25 or more.
The no annual fee version doesn't get provide any of these benefits, except the inflight food and beverage discount.
- The JetBlue card earns the most valuable rewards on your JetBlue purchases. You'll earn 6x points, valued at 9 cents per dollar. This is better than you can earn with any card, except perhaps the Amex Platinum card. The no-annual-fee version only earns 3x points. That's still good, but not quite as good as the cards that earn the best rewards on travel spending. Best Credit Cards for Travel Spending.
- There are better options for your restaurant and grocery purchases. The rewards from JetBlue are more valuable than what you would get from a good general-purpose reward card, but not as good as what you could get from a card that offers good bonus rewards for these categories. Best Credit Cards for Restaurant Spending. Best Credit Cards for Grocery Spending.
- You don't want to use these cards for your everyday spending. You'll earn higher rewards from a good general-purpose reward card. Get a Great General Purpose Reward Card and Use It for All of Your Spending.
Getting Rid of the Card
You can cancel your card without losing your JetBlue points. They are treated like any other points in your account.
You can downgrade a personal JetBlue card to the no-annual-fee version. If you do, you'll get to keep your inflight food and beverage discount. However, if you keep it and don't spend on it, it can be harder to get approved for new Barclays cards.
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