How to Get More Points and Free Travel With a JetBlue Credit Card

Ellen Sirull

Ellen Sirull | Blog

Apr 01, 2019 | Updated Apr 25, 2019

If you’re one of the 42 million customers flying JetBlue annually, you may want to check out the credit cards on offer to rack up points more quickly and earn some free flights.

The sixth largest airline in the United States offers three different cards to earn points. These points are most valuable when booking award flights — and JetBlue offers 1,000 daily flights to over 100 destinations.

The JetBlue cards are issued by Barclays, and they’re all Mastercards:

JetBlue offers some nice perks for flyers including free WiFi, the most legroom offered in coach, and personal TVs at every seat with DIRECTV® and XM Radio® access. The staff pride themselves on being customer focused, with a Customer Bill of Rights that includes transparency in compensation for delays or problems, a best fare guarantee, and more.

JetBlue Rewards Program and Earning Points

JetBlue’s TrueBlue rewards program has some nice perks for frequent JetBlue travelers, including:

  • Earning at least double points on purchases at jetblue.com (at least 6X points per dollar)
  • Earning TrueBlue points with partner airlines such as Emirates, Hawaiian Airlines, and IcelandAir, as well as travel partners like Lyft, Avis, Budget, and IHG
  • Points pooling — you can pool points with six of your family members and friends to earn points faster
  • No limit on points you can earn and the points never expire
  • No blackout dates for using points to book award travel

JetBlue TrueBlue points are on par with most other airlines as they’re worth approximately 1–2 cents each when you redeem them. But the value you get per point will depend on how you redeem, and it could vary quite a bit.

There are also three different levels of flights you can purchase on JetBlue. While Blue Flex and Blue Plus flights cost more, they offer more benefits:

Blue Blue Plus Blue Flex
Checked bags included 0 1 2
Base TrueBlue points (per dollar) 3X 3X 3X
Online booking bonus points (per dollar) 3X 4X 5X
Change fees

$75–$200

(depending on flight cost)

$75–$200

(depending on flight cost)

Free
Same-day changes or standby flights $75 $75 Free
Expedited security (at participating airports) $10–$15 $10–$15 Free
JetBlue offers another premium flight level: Mint, which is only available for select coast-to-coast and Caribbean flights. Mint only provides 3X additional points per dollar, but may come with perks like personal suites, lie-flat seats, and better food and beverages.

Here’s a sample of some JetBlue fares from New York City, NY (JFK) to Fort Lauderdale, FL (FLL) in dollars:

JetBlue cash prices.

Here you can see the same flights priced in points:

JetBlue point prices.

Take a look at the cost of a Blue fare for the first flight, compared to the point requirement. You could either pay $484, or redeem 47,000 points and pay $5.60 in taxes and fees. In this case you’d only get about 1 cent per point, so it’s not a very good redemption value. We discuss point valuations more in the section on how to make the most of your card.

TrueBlue Mosaic

Frequent JetBlue flyers can qualify for TrueBlue Mosaic®, the elite status level. You can get there by three different routes:

  • Earning 15,000 base flight points in a calendar year (base flight points are the 3X points you earn on JetBlue flights)
  • Flying 30 segments plus earning 12,000 base flight points in a calendar year
  • Spending $50,000 in a calendar year on a JetBlue Plus or JetBlue Business Card

TrueBlue Mosaic membership provides more points and perks, including:

  • 15,000 bonus points upon qualifying for Mosaic
  • An additional 3X points (for a total of at least 9X points, depending on the level you purchase) on jetblue.com bookings
  • Two free checked bags for you and anyone on your itinerary
  • Reduced rates to redeem points for Even More Space seats
  • No change or cancellation fees for you or travelers on your itinerary
  • Expedited check-in and security at participating airports
  • Priority boarding
  • A dedicated 24/7 customer service line for assistance
  • Complimentary onboard alcoholic beverages (for Mosaic members 21 and older)

Comparing the JetBlue Credit Cards

There are two JetBlue consumer credit cards and one JetBlue business credit card to consider.

Below, we’ve broken down the details of the three cards, so you can see which one might work for you. Here’s the scoop on each — keep in mind that the points you earn from each card are in addition to the regular points you’d earn for booking JetBlue flights.

JetBlue Plus Card JetBlue Card JetBlue Business Mastercard
Annual fee $99 $0 $99
Introductory bonus 40,000 (after spending $1,000 in the first 90 days and paying the annual fee) 10,000 (after spending $1,000 in the first 90 days) 40,000 (after spending $1,000 in the first 90 days)
Rewards
  • 6X points on JetBlue purchases
  • 2X points at Restaurants and Grocery stores
  • 1X point everywhere else
  • 3X points on JetBlue purchases
  • 2X points at Restaurants and Grocery stores
  • 1X point everywhere else
  • 6X points on JetBlue purchases
  • 2X points at Restaurants and Office supply stores
  • 1X point everywhere else
Free first checked bag on JetBlue flights For you and up to three companions on your itinerary N/A For you and up to three companions on your itinerary
Anniversary bonus points 5,000 TrueBlue bonus points annually after your account anniversary N/A 5,000 TrueBlue bonus points annually after your account anniversary
Inflight savings 50% off eligible inflight purchases (food and drinks) 50% off eligible inflight purchases (food and drinks) 50% off eligible inflight purchases (food and drinks)
Vacation credit $100 annual statement credit for purchasing a JetBlue Vacations package of $100 or more N/A $100 annual statement credit for purchasing a JetBlue Vacations package of $100 or more
Foreign transaction fees None None None
Bottom Line Best card for most frequent JetBlue travelers. An option if you travel JetBlue less often and don’t want an annual fee. Worth considering if you own a small business and frequently fly JetBlue.

It’s important to note that credit card offers, especially introductory bonus point offers, can change.

 

Most frequent JetBlue travelers will find the JetBlue Plus Card is easily worth the $99 fee thanks to perks that you won’t get from the regular JetBlue Card, such as free checked bags, more introductory bonus points, and more points on JetBlue flights.

Since the first checked bag costs $30 on JetBlue (for a Blue level ticket), you’ll more than make up for the annual fee after you check just four bags. You’ll also earn 30,000 more bonus points for the same amount of spending as the JetBlue Card ($1,000 in 90 days), and that difference could be worth $600 or more.

Additionally, spending $50,000 on the JetBlue Plus Card in one calendar year gets you the added TrueBlue Mosaic benefits mentioned above. But this probably isn’t attainable for most cardholders, and if you’re going to spend that much money outside of JetBlue you could probably get more value out of a different reward credit card.

JetBlue Plus cardholders also get 10% of their points back for every redemption, which gives you an effective rate of 6.6X points on JetBlue flights from this card.

How many points would you earn?

On the JFK to FLL flight mentioned above, you’d earn 5,808 points with the JetBlue Plus Card for your $484 Blue ticket purchased on jetblue.com. You’d earn a total of 12X points per dollar: 6X as a member booking online, and 6X from the card.

That’s double the points a regular TrueBlue rewards member would earn (2,904 more points) and 1,452 more points than someone with the JetBlue Card.

 

If you only fly JetBlue occasionally, this card may be a better fit for you. While you won’t get as many bonus points for the intro offer, there’s no annual fee and you’ll still get 3X points when purchasing JetBlue flights from the card.

You won’t get any free checked bags with this card either, but you will get the 50% inflight discount and won’t pay any foreign transaction fees.

How many points would you earn?

On the same JFK to FLL flight, you’d earn 4,356 points with the JetBlue Card for your $484 Blue ticket purchased on jetblue.com. You’d earn 9X points per dollar: 6X as a member booking online, and 3X from the card.

That’s 1.5X what a regular TrueBlue rewards member would earn (1,452 more points).

The JetBlue Plus and JetBlue Card both offer a 0% introductory balance transfer APR for 12 billing cycles (on balance transfers made within 45 days of account opening), followed by a rate of 18.24%, 22.24% or 27.24% Variable. But these cards aren’t really designed for balance transfers.

 

If you’re a small business owner or freelancer you may want to check out the JetBlue business card.

This is essentially a business card version of the JetBlue Plus Card, with a few additional business-specific features including:

  • 2X points at office supply stores instead of grocery stores
  • Your legal business name embossed on cards
  • Employee cards provided upon request at no extra cost
  • Ability to set controls on employee cards for credit lines, single purchase limits, or cash access
  • Consolidated statements with all purchases by you and your employees

How many points would you earn?

Just like the JetBlue Plus, for the JFK to FLL flight you’d earn 5,808 points with the JetBlue Business Card for your $484 Blue ticket purchased on jetblue.com. You’d earn 12X points per dollar: 6X as a member booking online, and 6X from the card.

That’s double the points a regular TrueBlue rewards member would earn (2,904 more points) and 1,452 more points than someone with the JetBlue Card.

Qualifying for a business credit card isn’t as hard as you might think. Read more about how to apply for a business card.

Making the Most of Your JetBlue Credit Card

Just like with any credit card, it’s important to apply for the JetBlue card that best fits your own spending habits, and, in this case, your travel habits as well. This helps you maximize your benefits and points earned while spending the least amount of money in fees.

The biggest advantage of having a JetBlue card is the additional points on flights (either 6X points or 3X points, depending on the card). But if you fly often you’ll probably appreciate the free checked bags on the JetBlue Plus and Business cards too.

The signup bonus points are also very valuable, and they’re a big reason we recommend most JetBlue flyers check out the Plus Card.

You should try to save up your points until you can redeem them for a great value; i.e., closer to 2 cents per point than 1 cent. To calculate the value of your points in cents for any given flight, divide the monetary cost by the number of points required, and then multiply by 100: (Cost / Points) * 100.

So, for the $484 flight above, which required 47,000 points: (484 / 47000) * 100 = 1.03 cents per point.

Don’t forget about the taxes and fees that will be added when booking award flights, however. These will reduce the value of your redemptions slightly.

JetBlue offers some great deals on flights, so you can stretch your points with those offers when sales pop up.

For example, we found a round-trip deal from Fort Lauderdale, FL (FLL) to Lima, Peru (LIM). This award flight costs just 26,000 points and less than $70 in fees. The same flight would cost almost $450 if you paid normally, giving you a value of over 1.7 cents per point.

A JetBlue round-trip flight deal.

So, if you applied for the JetBlue Plus Card (or the JetBlue Business Mastercard) and spent $1,000 on it within the first 90 days of account opening, you’d have more than enough points to take that exotic trip to Peru. (That covers the flight at least. You may need to save up some hotel points, too, or check out a JetBlue vacation package to get a hotel deal).

Without a JetBlue card, you can still earn the points for that trip to Peru, but it’ll just take you longer. If you book on jetblue.com (earning 6X points), you’ll need to spend $4,334 in JetBlue flights to accumulate the 26,000 points needed for the Peru flights (so nine of the NYC to FLL flights shown earlier).

You can also quickly rack up savings with the JetBlue Plus or Business cards by taking advantage of your free first checked bag perk and inflight discounts. For example, if you take one Blue level round trip with another travel companion and check one bag each, your card saves $120 in checked bag fees. That one trip alone more than covers the card’s annual fee.

Also, if you each order a cocktail and boxed meal there and back, spending $64, then you’ll save another $32 with any JetBlue card thanks to your 50% inflight discount. Those savings can quickly add up, especially for frequent flyers.

As with any credit card, work to pay off your travel card’s statement balance in full each month to avoid paying interest. Interest rates on rewards cards are often higher since you’re getting points. Paying interest over time will only negate the value of any points earned.

Applying for a JetBlue Credit Card

You’ll likely need good credit scores to get approved for any of the JetBlue cards. So, check your credit scores and reports (if you haven’t already) to know where you stand.

A good FICO Score ranges from approximately 670 to 739, so that’ll give you an idea about approval odds. Ultimately, it depends on your credit history and current financial situation when applying via Barclays’ website — it’s not all about credit scores. You can always check to see if you’re pre-approved for any offers, which could give you an idea of the kinds of credit cards you’ll qualify for.

JetBlue credit cards are made for JetBlue, of course, so if you have one you’ll want to plan flights almost exclusively on JetBlue or its partner airlines. If your home airport doesn’t offer a lot of JetBlue flights, you might want to consider another card (we have some suggestions below for you).

Other Cards for Flying JetBlue (And a Variety of Airlines)

If you’re not sure a JetBlue credit card is the right fit for you (or if you regularly fly with other airlines as well), you may want to consider another card with broader travel perks and benefits. Many travel credit cards offer free TSA PreCheck or Global Entry (via rebates), travel credits, lounge access, and other perks to make your trips and layovers a bit more comfortable and less stressful.

You can also take advantage of substantial introductory bonus point offers (sometimes up to 50,000 points or more) as long as you spend the amounts outlined in the card issuers’ terms. Usually this involves spending a set amount in the first three or four months.

Many travel rewards credit cards also offer the option to transfer points to various travel partners, including airlines like JetBlue. So, any points you earn on those reward cards are transferable to JetBlue, where they will become TrueBlue points.

Several of the cards mentioned below have JetBlue as a transfer partner, including the cards from Chase, Amex, and Citi. Just keep in mind that once points are transferred to an airline partner, you can’t transfer them back.

Some other great credit cards tailored for travelers include:

Which JetBlue Credit Card is Right for You?

There’s no one-size-fits-all solution when it comes to credit cards. By checking out the above options, you can match a card with your spending habits and travel plans.

Most people who travel frequently on JetBlue should get the JetBlue Plus or Business card because the benefits can easily offset the $99 annual fee.

The basic JetBlue Card could be a good option if you only fly JetBlue occasionally, or you don’t care about the extra perks from the other cards. But if that’s the case you might not benefit much from a JetBlue co-branded card at all.

One of the JetBlue credit cards may be the right addition to your wallet if you book JetBlue flights more often than not. If you won’t fly JetBlue much or you’d rather be flexible with traveling on other airlines, there are plenty of credit cards to choose from:

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