JetBlue Plus Card Review

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If you’re a dedicated JetBlue flyer you’ll be able to get good value out of the JetBlue Plus Card from Barclays. But if you prefer more flexibility, we would recommend another travel rewards card.  

JetBlue Plus Card

Overall Rating
3.3
JetBlue Plus Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $99
Rewards Earning Rate Earn 6X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
2.2
for Fees
2.3
for Rewards
3.1
for Credit
2.2
Current Offer

Earn 40,000 Bonus Points after spending $1,000 on purchases in the first 90 days and payment of annual fee.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

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. Right now, 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.

Pros
  • Generous JetBlue rewards

  • Uncommon 0% balance transfer APR offer

  • Free checked bag perk

Cons
  • Annual fee

  • Potentially high interest rate

  • Few redemption options

Pros Explained

  • 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.

Cons Explained

  • 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.

Redeeming Rewards

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

Customer Experience

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. 

Security Features

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.

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CURRENT CARD
JetBlue Plus Card
overall rating
3.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $99
Rewards Earning Rate Earn 6X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Barclays. "Terms and Conditions." Accessed July 30, 2020.

  2. Barclays. "JetBlue Plus Card." Accessed Oct. 13, 2020.

  3. JetBlue. "TrueBlue FAQs." Accessed Oct. 13, 2020.

  4. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed Oct. 13, 2020.