Who Is This Credit Card Best For?
Flies regularly and likes finding ways to score even more travel—for free See more cards
Diligently searches for the best products and delights in a good bargain See more cards
Loves to explore places and experience new things See more cards
Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
If you have excellent credit, fly frequently on JetBlue airlines, and want to earn top-notch rewards for more JetBlue flights fast, this card may be a good choice for you. JetBlue mostly serves the U.S. East Coast out of its New York (JFK) hub, so this card may not be a good match if most of your travels take you outside the airline’s primary service area. It’s not ideal for those who don’t regularly fly JetBlue, as points can only be used to book more flights (on JetBlue and Hawaiian), or purchase a JetBlue Travel package.
Generous JetBlue rewards
Uncommon 0% balance transfer APR offer
Free checked bag perk
Potentially high interest rate
Few redemption options
- Generous JetBlue rewards: This card gives you lots of ways to earn points, including unlimited earnings on grocery store, restaurant, and JetBlue purchases. The per-dollar rewards earning rate on JetBlue purchases is stellar compared to other similar airline cards, and the no-annual-fee JetBlue card. Even better, you’ll get a 5,000-point cardholder anniversary bonus, and a 10% redemption bonus when you redeem your rewards for flights.
- Uncommon 0% balance transfer APR offer: This card isn’t necessarily a first-choice balance transfer card. But if you do have a balance on another credit card, you can transfer it and have 12 months to pay it off interest-free. (But note that you’ll pay a 3% balance transfer fee or $5—whichever is more.)
- Free checked bag perk: You’ll get one free checked bag for you and up to three people traveling on the same reservation with you each time you fly. It normally costs $35 for a checked bag, so you can recoup the annual cost of this card with as little as three flights per year if you’re flying alone with a checked bag.
- Annual fee: This card costs $99 per year. If you fly with JetBlue often and can enjoy the perks this card offers, it may be worth the cost. However, if you’re looking for an annual-fee-free way to earn TrueBlue points, consider the JetBlue Card instead.
- Potentially high interest rate: Your APR on purchases could be as high as 24.99%, depending on your creditworthiness, which is well above the average travel card interest rate. You should always avoid carrying a balance on rewards cards, but that is especially important for this card.
- Few redemption options: You can only redeem your rewards for JetBlue or Hawaiian Airlines flights or the airfare portion of JetBlue vacation packages. Airline rewards are typically best for travel anyway, so we don’t consider this a major downside, but if you want more flexibility, consider a general travel rewards card instead of an airline-branded one.
JetBlue Plus Card’s Bonus for New Cardholders
The JetBlue Plus Card offers a bonus of 40,000 TrueBlue points if you spend at least $1,000 within the first three months after getting the card and paying the annual fee. We value this bonus at $572, which is a little on the low side when compared to the bonuses offered by other major airline-branded credit cards in its class. It’s possible to find sign-up bonuses with similar airline cards that are twice as valuable.
The bonus is only available if you have never had this card before.
Earning Points & Rewards
Each purchase you make will earn the following number of TrueBlue points:
- 6 points per $1 spent on JetBlue purchases
- 2 points per $1 spent at grocery stores and restaurants
- 1 point per $1 spent on all other purchases
If you book an award flight with points, you’ll get a 10% bonus back to your TrueBlue account. For example, if you book a flight worth 10,000 points, your account will be credited with a 1,000-point bonus. To top things off, you’ll earn a 5,000-point bonus every year on your cardholder anniversary.
While the JetBlue Plus Card’s bonus is a bit weak, it’s important to note that the earnings rate on JetBlue purchases is high. Typically you’ll get 2 points per $1 spent on airline flights with other cards, but with the JetBlue Plus card, you’ll get 6 points per $1 spent on JetBlue flights.
The JetBlue Plus Card’s rewards program is straightforward compared to some other airline card rewards programs. The primary (and best) way to redeem rewards points is by using them to purchase awards flights. You can also use a combination of points and cash to pay for flights, so even if you don’t have enough points to redeem for a full flight, you can at least make it a bit cheaper.
You must redeem at least 500 points to pay using Cash + Points, and you can do so in any combination of the two.
Award flight prices fluctuate depending on factors such as the route, time, and day of the week. To use your rewards, log into your JetBlue account and search for flights —and be sure to tick the “TrueBlue points” checkbox under “Select Fare.”
You can also use your TrueBlue points to book award flights on Hawaiian Airlines or to pay for the airfare portion of JetBlue vacation packages.
Finally, an unusual feature of the TrueBlue program is that you can pool your points with family members or friends (up to seven, in fact) and share them with one another.
As a rule of thumb, rewards card points worth at least 1 cent per point (or mile) are pretty good value. The Balance’s analysis found that the value of each point for this card is 1.43 cents each when redeemed for JetBlue flights, a decent value compared to other airline program rewards.
How to Get the Most Out of This Card
Make sure you pay the annual fee and spend at least $1,000 on the card in the first three months in order to earn the 40,000-point sign-up bonus. After that, maximize the number of points you earn by using your JetBlue Plus Card to make JetBlue purchases and by using it at the grocery store and at restaurants to earn double points.
You may want to pair this card with another card that earns 2% cash back or 2 travel rewards points per dollar spent. You could use that card for all of your purchases that don’t fall in the JetBlue Plus Card’s bonus categories.
JetBlue Plus Card’s Excellent Perks
Besides the free checked bag and the 5,000 points you’ll get on your cardholder anniversary, the JetBlue Plus Card has a couple of other benefits that stand out from the typical perks offered by travel cards. Here are the best ones:
- Free checked bag: You and up to three companions on the same flight get your first checked bag for free when you use your card to book the reservation.
- JetBlue Vacations $100 credit: If you use your card to purchase a JetBlue vacation package, you’ll get a statement credit for $100 within six to eight weeks. You can get one statement credit per year.
- Mosaic status: Spend $50,000 or more each a calendar year and you’ll get JetBlue's elite "Mosaic" status in the TrueBlue loyalty program, which offers more airline perks such as waived cancellation and change fees and early boarding privileges.
The card will also come with these World Elite Mastercard insurance benefits, which will be detailed in the cardholder benefits guide you’ll receive after opening this card:
- Travel accident insurance
- Insurance coverage for delayed luggage
- Insurance coverage for trip cancellation or interruption
- Cellphone coverage
JetBlue Plus Card’s Other Features
- 50% discount on in-flight food and beverage purchases (issued as statement credits)
- Rental car collision insurance (secondary to your own policy)
- Free shipping through ShopRunner membership
- 10% discount on eligible onefinestay bookings
- Travel assistance hotline
Barclays has decent customer experience ratings, according to a 2020 J.D. Power study, ranking ninth among 11 leading U.S. credit card issuers.
Still, you can expect pretty standard ways of communication, including 24/7 phone support and a secure messaging system within your account online. Barclays adds to the customer experience by offering access to your free FICO score in your account online or on the mobile app.
The JetBlue Plus Card offers standard account security measures, including $0 fraud liability protection, which means that as long as you report any fishy business within a reasonable amount of time, you won’t be held responsible for the charges.
JetBlue Plus Card’s Fees
Most of this card’s fees are in line with other cards of its type. There’s a 50-cent minimum interest charge if you owe interest, which is not that common among credit cards of this type.
Also note that the card charges no foreign transaction fees. JetBlue flies to a few overseas destinations, so it’s nice to know that if you take one of these routes, you won’t have to worry about extra fees.