JetBlue Credit Card Review

Posted by CreditCardGuru

jet blue credit cardWe all know JetBlue Airlines is a great value and a great air carrier (despite that incident with the flight attendant berating a passenger, grabbing some beers and blowing the escape slide), but how about their credit card? You are about to find out the good, the bad, and the ugly in this Jet Blue credit card review. I’ve updated everything you need to know for 2014.

Who issues the card?
The card is issued by American Express.

What’s the annual fee?
The annual fee for the Jet Blue card is $40. This is definitely on the low end for an airline miles credit card… so that is quite refreshing!

What’s the APR?
What’s unusual about the Jet Blue card is that everyone has the identical interest rate (instead of different tiers which depend on credit quality). At the time of writing that’s 15.24% and it’s variable, depending on the prime rate. That’s also quite refreshing since a lot of airline cards have APR’s much higher than that. Granted, not that many people carry balances on typical airline co-brand cards, but those that do pretty much subsidize the perks for everyone else.

How do you earn rewards?
The card earns “TrueBlue” points on spending, which can then be redeemed for Jet Blue flights.

  • 1 point per dollar on regular purchases
  • 2 points per dollar on their flight purchases when paying with your AmEx Jet Blue credit card. Please note the advertising says “earn up to 8 points” but 6 of those have nothing to do with the card. This is because all TrueBlue members (even those without the AmEx) already earn 3 points per dollar spent on their flights and another 3 points per dollar for booking them online at jetblue.com (for a total of 6 points). The card is only getting you 2 extra points.
  • The points don’t expire and there are no blackout dates. Since most airlines seem to have expiration policies on their miles this is a nice feature

How many points are needed to score a free flight?
The JetBlue credit card application claims that round trip flights start at just 10,000 points. While I’m sure it’s technically correct that award flights “start at” that amount, I wouldn’t say it’s an accurate representation of the typical amount of points you will be paying.

First Test: I priced out a round trip flight – two months in advance – from Los Angeles to Baltimore and the cheapest round trip flight I could find would cost me 22,200 points. I would estimate most round trip domestic flights will probably cost you around 20,000 to 30,000 points and possibly a lot more from the numbers I’ve seen so far.

Second Test: I searched for a round trip flight – a couple weeks in advance – from Austin to Pittsburgh during Christmas time (Tues Dec 21st thru Mon Dec 27th). The cheapest flight would have required 77,400 JetBlue credit card points. Sure, it’s nice that there are no blackout dates, but the points increase directly correlates to the cash price increase, so it doesn’t appear their rewards program will help you defray the cost of any last minute flights.

Should you apply or not?
Overall the JetBlue card is really quite good, but the value of rewards appear to be comparable to most airline cards. However, the super low annual fee is what sets it apart from the competition. However, as with any airline-specific rewards card, make sure you have true loyalty to that airline and have realistic aspirations on what you will do with the points/miles. If the airline doesn’t fly where you might want to go or doesn’t serve the city you live in then it’s kind of pointless to get their card. But, JetBlue has a loyal following and provides a superior flying experience from my point of view, so if you feel the love and want to leverage your spending to earn free flights then this could be a good choice. To see how the Jetblue credit card rates to some more generic travel reward card options, be sure to compare other travel credit cards and their signup offers before making your decision.

This review was last updated August 20, 2014


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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

17 comments... read them below or add your own

  1. martha August 25, 2014 at 1:32PM

    Tried to book a rewards flight last night – system would not let me do it. Tried again today – still problems and noticed that the number of points went up by 3,000…..no black out dates, but a better way to keep people from booking and raising the # of points is to have a malfunctioning website!!!!!

  2. RNP August 8, 2014 at 9:08AM

    no free checked bag if using points?

    • humberto August 24, 2014 at 3:23AM

      JB lets you check 1 bag for free, for everyone.

  3. Gustavo July 21, 2014 at 6:00PM

    What should be the credit score to be approve for this credit card??

  4. Jessica December 30, 2013 at 4:54PM

    I have the card, fly Jetblue regularly, and highly recommend the card to those who fly along the East-coast. The author of this article only researched flights from LA to Baltimore and from Austin to Pittsburgh. Obviously its going to be an outrageous amount of points needed to fly cross country. JetBlue flights are not as frequent to the west coast and therefore more costly. I fly from Florida to NYC frequently and can almost always get round trip flights for under 12,000 points. Plus JFK is JetBlue’s hub so flights are cheaper. So this card is great for those who fly along the Eastcoast or to Puerto Rico and Carribean. For those in the midwest or westcoast you might be better off with a different airlines card.

  5. lindy November 14, 2013 at 7:46PM

    This card is not worth it. Every flight on JetBlue is offered at a different price and the points needed to fly for free vary, most times they are extremely high. The number of points needed for the AAdvangage program is consistent, based not on price, but instead of peak/off peak flying time. I got this card thinking most flights would cost me a reasonable amount of points but that is not the case. I just checked a rt NY to Las Vegas and it would have cost me 70,000 points. This is ridiculous. Problem with AAdvantage program is it is difficult to find flights. Guess you can’t win with these programs.

  6. Celestin Joseph October 3, 2013 at 4:35AM

    I would like to have a Jet Blue card.

  7. ken August 19, 2013 at 7:44AM

    The JetBlue card was really good under the original program. Now that it has been modified a few times, I would only recommend it only if you fly JB frequently. Going from the points to the dollar system was bad. Now with the elimination of any double dollars at restaurants, there seems to be little incentive to keep it at the $40 fee.

  8. Huggy Fuzzleton March 28, 2013 at 4:06PM

    Before you get too excited – do some simple math on the VALUE of each point you earn. The points are worth so little each that you need to accumulate an incredible amount in order to redeem for a flight. Don’t be confused here – a point is not worth an equivalent dollar, they are worth a penny at BEST. And only good for JetBlue flights.

  9. Yvonne Harvey-Shea January 9, 2013 at 3:32PM

    I have had a JetBlue card for many years now, and yes, if you fly over the Holidays or extreme peek season, you pay more miles, makes sense, otherwise I would recommand the card to anyone, with the yearly fee of only $40. And JetBlue gives the the luxury of having your own TV, wow

  10. Ed December 29, 2012 at 5:13PM

    I just booked a round trip ticket from Philadelphia to Boston and back this coming June for exactly 10,000 points. I only needed to spend $1,250 to earn those 10,000 points. So no complaints here.

  11. Dommy October 2, 2012 at 7:45AM

    I found out from my last bill over $2000.00 bucks gave me 240 eligible points.
    Thats terrible. I will not be using this card for anything but Jet Blue flights.

  12. Peter Ortiz October 2, 2012 at 5:08AM

    The Jet Blue program is a sham. I signed up for the card because I love the airline. But there is a yearly fee (I believe $40) and it does take forever to accumulate enough points for a round trip flight.

    But the most disappointing thing with this program is Jet Blue’s decision to get rid of it’s previous program. The way that worked is you would get a certain number of points depending on how far you traveled per trip. So if you flew from NYC to Arizona round-trip you would get 8 points each way. That amounts to 16 points and you only needed to reach 100 points for a free round trip ticket to anywhere (domestic or international)!

    Now you have this points sham program just like everyone else. I liked how Jet Blue always bucked the industry and stood out from its competitors. The 100 points program was an example of this and something no other airline offered. Now, they are just like everyone else.

    I still like Jet Blue, but I can’t justify paying $40 for a card with such a lousy bonus program.

    I did try to start a campaign on Jet Blue’s Facebook page to get back the 100 point program, but there was little response. I will restart that campaign and if anyone is interested please “Like” it and offer comments.

    At the very least Jet Blue should have two programs to give its loyal customers a choice.

    Thank you for informing people.

    Peter.

  13. Tammy July 20, 2011 at 11:10AM

    The 1 point for every dollar spent (as stated above) is not true. You earn 1 point for every dollar spent on “eligible purchases” which are restaurants, theaters, gym memberships, sporting events, performing arts events, golf…. not on regular, every day purchases. There are other cards out there that cost more annually, but you truly early 1 point with every dollar spent regardless of where and you earn points quicker. I have had this card several years and only used it and since they’ve change their eligible purchases I am not accumulating like I did under their old way. Disappointed and thinking of moving to some other card.

    • bobley August 16, 2012 at 1:57PM

      Looking over the agreement, it looks to me like you get 1 point for almost anything (except balance transfers, etc), and a bonus point for the categories you mentioned.

      seems like a good deal if you like jetblue.

  14. susan doherty June 20, 2011 at 2:44PM

    my husband has just learned today that if you change your flight on the same day not only are you charged 40.00 dollars you forfeit your points..Can this be true last winter was brutal, you are no longer for big bonus points if you decide to leave earlier in the day

    • hoyasaxa July 2, 2014 at 3:45PM

      Changed flight same day called customer service no problem.

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