JetBlue Business Card Review: A Competitive Rewards Card for JetBlue Fans
Review
Updated
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Although it's a relatively young airline, JetBlue is already well known for its top-tier product. So it's little surprise that the airline has so many fans. If you regularly travel JetBlue for your business you can get even more value from your flights wit this card. Cardholders not only earn TrueBlue points on their purchases, but they also get perks like free checked bags. Read our full JetBlue Business Card review to see what this business credit card can do for your business travel.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
16.24%-25.24%, variable
Rewards Earn 6x points on JetBlue purchases, 2x points at restaurants and office supply stores, and 1x points on other purchases
1x-6x points
Annual Fee
$99
Welcome Offer Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
80,000 point, $99 statement credit
The best way to buy business flights on JetBlue, offering premium points on these purchases. It also has a few extra perks, like free checked bags, but the annual fee is a tad pricey and points can only be used toward JetBlue travel.
If you want a more versatile travel card: The Ink Business Preferred® Credit Card (see rates and fees) earns bonus rewards on travel no matter which airline you fly. And you can transfer your rewards to JetBlue as well as a dozen other brands. You'll also get bonus rewards in popular business categories like shipping and advertising (with a cap of $150,000 in combined bonus category purchases).
See more choices: Best Business Travel Credit Cards
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| Ink Business Preferred® Credit Card | Capital One Venture X Business | The New United℠ Business Card |
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
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4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.75 out of 5 stars.
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Rating image, 4.75 out of 5 stars.
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Excellent (740-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 90,000 bonus points |
Welcome Offer: Earn 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months up to 350,000 Miles |
Welcome Offer: Debut Offer: Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Earn 125,000 bonus miles |
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Rewards Program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 3 points per $1 in select business categories |
Rewards Program: Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. 2X-10X miles |
Rewards Program: 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases. 2x on select categories |
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Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
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Regular APR: 20.24% - 26.24% Variable |
Regular APR: N/A |
Regular APR: 20.49% - 28.99% Variable |
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Annual Fee: N/A $95 |
Annual Fee: $395 |
Annual Fee: $150 |
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Highlights:
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This credit card is a good fit for: JetBlue fans who want to earn loyalty points with the airline for business travel.
If you're a JetBlue regular, this card has a lot to offer. Other travelers will see a lot less value.
The main perk of the JetBlue Business Card is that you can earn TrueBlue points on your purchases. You'll earn:
TrueBlue points' value varies a bit depending on how they're redeemed, but they average $0.01 and $0.015 per point. This makes the 6x points on JetBlue flights a much better return than you'd get with nearly any other credit card. And the 2x points categories can give you an effective 3% back with the right redemptions.
Now, this assumes you fly JetBlue often enough to make redeeming those points easy. If you're only a sporadic JetBlue customer, a travel rewards card with more versatile points may be a better value.
The JetBlue Business Card offers 80,000 TrueBlue points and a $99 statement credit after you spend $2,000 on your new card within the first 90 days of account opening.
This is a pretty decent credit card sign-up bonus, especially considering the low spending limit on the initial sign-up bonus. The 80,000-point bonus alone can be worth at least $600 in free JetBlue flights.
Baggage fees seem to be big business these days, so getting your bag checked for free can be a big savings. JetBlue Business Card members get their first checked bag free on JetBlue flights. Additionally, up to three companions traveling on the same reservation also enjoy a fee waiver on their first checked bag. Note that this only applies to flights operated by JetBlue; partner flights and codeshares aren't eligible for the checked bag fee waiver.
Airline food isn't reputed to be great, but going hungry on a long flight can be worse. The JetBlue Business Card can't make the food taste any better, but it can make it easier on your wallet with a 50% savings. The savings applies to in-flight purchases of food and cocktails made with your JetBlue Business Card on JetBlue-operated flights. The discount doesn't apply to any other in-flight purchases. The discount is applied in the form of a statement credit that will show up on your card statement within four to six weeks.
Read more: Best Airline Credit Cards
JetBlue Business Card members will receive a 5,000 points bonus each year after their cardholder anniversary. (Points can take four to six weeks to post after your anniversary date.)
5,000 TrueBlue points are worth at least $50 in JetBlue travel, though they could be worth more depending on how you redeem them. This is just over half of the annual fee, which could make it easier to justify keeping the card even if you're not maxing out the value each year.
You'll earn a year of Mosaic status if you spend at least $50,000 on your JetBlue Business Card in a calendar year. Mosaic is JetBlue's elite status. It unlocks some potentially useful perks, including:
Without this perk, you'd need to earn 15,000 Mosaic-qualifying points or accrue 30 segments and 12,000 points within a calendar year to get Mosaic status.
This is a bonus perk on regular cards, but it's a must-have on travel rewards cards. In fact, browsing through our credit card reviews will show that nearly all travel rewards cards we've seen have no foreign transaction fees. Why is it so important? Foreign transaction fees are extra fees charged for purchases made in a foreign currency or that route through a foreign bank. Since many folks use travel cards to travel abroad, foreign transaction fees can be an expensive problem. It's also useful for business cards, as many businesses rely on foreign suppliers.
Read more: Best No Foreign Transaction Fee Credit Cards
The JetBlue Business Card offers free employee credit cards. This allows you to give an employee card linked to your business card account to employees who need to make purchases on your company's behalf, at no extra cost. Plus, employee cards earn the same purchase rewards as your main card. You can also assign individual spending limits for each card, right down to individual purchase limits. You'll get a consolidated statement of transactions, and employees can also see individual statements, making it easier for everyone to track expenses.
There are only a few major downsides to this card, but they're still worth consideration.
Any annual card fee should be enough to make you pause before applying, but the JetBlue Business Card charges a $99 annual fee. As such, you really need to consider if you'll get at least that in value out of the card each year. Ideally, you'll get more than $99 in value, otherwise having the card isn't particularly worthwhile.
After the first year, the anniversary points bonus adds a quick $50 value to the card (assuming you can use those points). So, do you get more than $49 in value from the card otherwise? That value could come from purchase rewards, or the free checked bag -- or a combination thereof. If the answer is "No," consider a different card.
If interest fees are the bane of credit card users, then intro 0% APR deals are the balm. The best offers provide a 0% interest rate on purchases (and sometimes balance transfers) for a year or more. Many cards now offer them, even in the business credit card world. So the lack of one does count against the JetBlue Business Card. That being said, it's not unusual for a travel card to forgo an intro APR offer. And if you pay your card in full each month, you won't need to worry about the interest rate anyway.
It's recommended that you have excellent credit when you apply for the JetBlue Business Card. In numerical terms, a FICO® Score of 700 or higher will offer the best chances of approval. Barclays -- the credit card issuer -- will look at both your personal and business credit history when making a decision.
If you're already a JetBlue fan and use the airline for your business travels, the JetBlue Business Card is a solid pick. It earns a great rate on JetBlue flights, and the few extra perks could be useful for cardholders who can maximize them. The annual fee is a bit steep, however, especially if you won't fly often enough to make use of the card's perks and rewards. If you only occasionally fly JetBlue, you may be better off with a more flexible travel rewards cards.
Keep reading: Best Rewards Credit Cards
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
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