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The JetBlue Card Review

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by Amelia Josephson Updated
The JetBlue Card

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JetBlue Fans Take Notice

Do you like to fly on JetBlue? If so, you might be a good candidate for The JetBlue Card.  

Like other airline cards, The JetBlue Card offers one reward rate for airline purchases and other rates for other purchases. With The JetBlue Card, you’ll get 3 points for JetBlue purchases, 2 points on purchases at restaurants and grocery stores and 1 point per dollar on everything else.

The sign-up bonus on the card gives you 10,000 bonus points if you spend $1,000 on purchases within the first 90 days that your account is open. 

You can redeem your JetBlue points for what the airline calls Award Flights. The points you’ll need to book an Award Flight will depend on the base fare at the time you book. There are no blackout dates for Award Flights on JetBlue-operated flights. 

Your APR on the JetBlue Card will be 12.99%, 20.99% or 25.99% variable, depending on your creditworthiness. 

Smart Features

Earn 10,000 points when you spend $1,000 in your first 90 days – The JetBlue Card offers a 10,000-point sign-up bonus if you spend $1,000 on purchases in the first 90 days that your account is open.  

Earn 3 points per dollar spent on JetBlue purchases – Every dollar you spend on purchases made directly with JetBlue Airways will earn you three TrueBlue points.

Earn 2 points per dollar on restaurant and grocery store purchases – Spending on groceries and meals out will net you two TrueBlue points per dollar spent. 

Earn 1 point per dollar on all other purchases – You’ll never make a purchase on your JetBlue Card without earning a point. Purchases that aren’t with JetBlue and aren’t at restaurants and grocery stores will earn you one point per dollar spent. 

Who It Benefits

Like other airline cards, The JetBlue Card is most beneficial to those who fly at least once per year. If you fly on JetBlue and you know you’ll fly with them at least once a year, you stand to benefit from The JetBlue Card. 

You’ll also benefit from the card if you tend to spend a lot at restaurants and grocery stores. Why? Because you’ll be getting the cards 2 points per dollar on meals out and groceries. 

Finally, if you have credit card debt that you’d like to transfer to a card with a 0% APR (to make it easier to pay down your debt) you stand to benefit from opening The JetBlue Card. The card comes with a 0% APR on balance transfers for the first 12 billing cycles, following each balance transfer that posts to your account within 45 days of account opening. 

How It Works

As you swipe your card you’ll earn 3 points per dollar spent on purchases made directly with JetBlue, 2 points per dollar spent at restaurants and grocery stores and 1 point per dollar on all other purchases. When you go to redeem your TrueBlue points you can log in to your TrueBlue account and search for flights. To make things easier, you can switch your web view from showing the cost of flights in dollars to showing the cost of flights in points. Your points don’t expire, and you’ll always be able to log in to your JetBlue account and manage your points. 

If you spend $1,000 on purchases in your first 90 days as an accountholder, you’ll earn 10,000 bonus points. Throughout your time as a cardholder you’ll get 50% savings on eligible in-flight purchases with JetBlue, including cocktails and food. 

Your APR on your JetBlue Card will be 12.99%, 20.99% or 25.99% variable, depending on your creditworthiness. Your rate will be variable, which means it can change based on fluctuations in the Prime Rate. The cash advance APR is 26.24% variable.

For balance transfer to the JetBlue Card, you’ll pay a 0% introductory APR for the first 12 billing cycles after each transfer. However, any balances you want to transfer must post to your account within the first 45 days your account is open. 

After the 12 billing cycles are up, your APR will jump to a rate of 12.99%, 20.99% or 25.99% variable, depending on your creditworthiness. 

What’s the Catch

If you’re looking for a travel rewards card and you’re a JetBlue fan who flies at least once a year, the JetBlue Card is a solid option. There are no foreign transaction fees or annual fees to worry about. You’ll need good-to-excellent credit to quality for the card, which could be a catch for some consumers. 

Just the Math Please

Rewards

As you swipe your card you’ll earn 3 points per dollar spent with JetBlue, 2 points per dollar spent in restaurants and grocery stores and 1 point per dollar on everything else. If you spend $1,000 in your first 90 days with an account, you’ll get a bonus of 10,000 points.  

The number of points needed to score an Award Flight will vary based on where and when you’re flying, and how early you book your flight. You and your family members can pool your points through the JetBlue Family Pooling program, which allows family members to combine their TrueBlue points to book travel together. 

Balance Transfers

If you transfer a balance to the JetBlue Card you’ll pay either $5 or 3% of each balance transferred, whichever is greater. Your APR on any transferred balances will be 0% for the first 12 billing cycles after the transfer. Your transferred balances must hit your account within 45 days of the account’s opening to quality for the 0% introductory APR. 

After the 12 billing cycles, your APR will be bumped up to 12.99%, 20.99% or 25.99% variable, depending on your creditworthiness. 

Rates and Fees

Annual Percentage Rate (APR) for Purchases

Your APR will be 12.99%, 20.99% or 25.99% variable, depending on your credit score. This APR is variable, which means it can fluctuate with the Prime Rate. 

APR for Balance Transfers

Your APR on any transferred balances will be 0% for the first 12 billing cycles, following each transfer that posts to your account within 45 days of account opening. After the 12 billing cycles your APR will jump to a rate of 12.99%, 20.99% or 25.99% variable, depending on your credit. 

APR for Cash Advances

The APR for cash advances is 26.24% and is a variable rate. 

Penalty APR and When It Applies

None

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing period. If you pay your entire balance by each month’s due date, you will not accrue interest charges. 

Annual Fee

$0

Transaction Fees

  • Balance Transfer $5 or 3% of your transferred balance(s), whichever is greater.

  • Cash Advance Either $10 or 5% of the amount of each transaction, whichever is greater.

  • Foreign Purchase Transaction None

Penalty Fees

  • Late Payment Up to $37 (amount of fee varies by state)

  • Returned Payment Up to $37 (amount of fee varies by state)

How It Stacks Up

The JetBlue Card is a solid option for consumers with good-to-excellent credit who are looking for a travel rewards card without an annual fee. How does it compare to competitors? Well, if you like JetBlue you could also spring for the JetBlue Plus Card, which comes with a $99 annual fee. The JetBlue Plus Card gives you a 30,000-point bonus if you spend $1,000 on purchaes in your first 90 days as an accountholder, as well as 6 points per dollar on JetBlue purchases. You’ll also get your first bag checked for free when you fly on JetBlue-operated flights. 

If you have no particular loyalty to JetBlue and just want a travel rewards card you could opt for the Chase Sapphire Preferred® Card or the Capital One® Venture® Rewards Credit Card, both solid options in their category. However, both of these cards charge an annual fee (waived for the first year), which the JetBlue Card does not.

The Chase Sapphire Preferred® Card gives you 2x points per dollar spent on travel and dining and 1x point per dollar spent everywhere else. So if you tend to spend a lot at grocery stores you may be better off with the JetBlue Card, which offers 2 points per dollar on groceries. The Capital One® Venture® Rewards Credit Card offers an unlimited two miles per dollar spent on all purchases. 

Bottom Line

The JetBlue Card is a solid option for a travel rewards card that doesn’t charge an annual fee. If you live near an airport that gives you the option of flying with JetBlue, you might be a good candidate to benefit from the card, which offers a competitive rewards rate and a nice sign-up bonus.