HetBlue 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 only occasionally fly on JetBlue, it is probably still worthwhile to sign up just to collect the signup bonus.
JetBlue Card Options
There are three JetBlue cards.
- JetBlue Plus Card. The "Plus" card comes with the key benefits and a decent signup bonus. $99 annual fee. JetBlue Webpage. Signup Bonus Chart.
- JetBlue Business Card. Has the same benefits and fees as the personal version. The signup bonuses on the cards can differ.. $99 annual fee. JetBlue Webpage. Barclays Webpage. Signup Bonus Chart.
- JetBlue Card (No-annual-fee). The no-annual-fee version doesn't come with much in the way of a signup bonus or benefits. But it is a potential no-annual-fee downgrade option for the JetBlue Plus card. 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 determining the required number of miles based on a standardized award chart, it is determined 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. More importantly, you can use your points without needing to worry about finding award space.
- Points are worth about 1.3 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 or 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 often worth less than those from many other Membership Rewards airline partners.
- You can also transfer points from the other transferable reward programs. Ultimate Rewards, ThankYou, and Venture points transfer to JetBlue at their normal rates.
- 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 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 can earn 5,000 points with the "Take 3" badge by flying 3 round trip flights in a year. Details.
- JetBlue offers great additional rewards for shopping at Amazon (but only if you are shopping while flying on a JetBlue flight). Under normal circumstances, most online shopping portals only offer bonus rewards on limited categories of Amazon purchases. However, JetBlue will give you 3 points on almost all Amazon purchases made during a flight.
- Points don't expire. Nice!
Collecting JetBlue Signup Bonuses
- It is worth signing up for this card just to collect the signup bonus. The typical signup bonus is 40,000 JetBlue points, 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 for the initial year is $450 (45 cents per dollar spent). Your value may be higher or lower, depending on how much you value JetBlue points. How Much are Points Worth?
- 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 earn the signups from either or both versions. 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 keep the card part of your core credit collection, 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
You can earn JetBlue Mosaic status by spending $50,000 on the card during a calendar year. 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 make it worthwhile, but not frequently enough to earn it normally, it could be an interesting option.
For 2021, you can also qualify with $30,000 in purchases and 4,000 normal qualifying points.
Mosaic status comes with:
- Free same-day "Even More Space" seats (if any are available when you check in at the airport and no companions included).
- 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.
- Reduced point cost for "Even More Space" seats. You'll get around 2.5 cents per point when you use them to upgrade your seat.
Other Notable Benefits
- Free checked bags. 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.
- Elite car rental status. As with all World Elite MasterCards, you get free National Emerald Club Executive and Sixt Platinum status. Instant Car Rental Elite Status.
- Access to Mastercard's luxury hotel program. Another benefit of high-end MasterCards is access to MasterCard's luxury hotel program. When you use the program to book 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.
- DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase.
- 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 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 what 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. 2x JetBlue miles are more valuable than what you would get from a good general-purpose reward card, but you can earn even more valuable rewards with other cards. 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 without worrying about losing your JetBlue miles. Once you earn them, they are treated like any other miles in your JetBlue account.
- You can downgrade a personal JetBlue card to the no-annual-fee version. If you do, you'll get to keep some minor benefits, such as your inflight food and beverage discount. You'll also be able to upgrade back to a better version without needing to worry about getting approved again.
- But if you keep a Barclays Card and don't spend on it, you can have a harder time getting approved for new Barclays cards.
- You can wait to cancel the card until after the annual fee shows up on your statement. As long as you cancel within 30 days of the statement closing date, Barclays will refund the fee.
- You might be able to receive a retention offer to keep your card. It could be enough to make it worthwhile to keep the card.
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