The JetBlue Plus MasterCard isn’t the most rewarding option for everyday spending, but it can easily pay for itself if you make use of the JetBlue-related benefits including free checked bags and discounts on food, beverages, and movies in-flight.
30,000 point intro offer. If you use the points wisely, you could get $450 in JetBlue airfare value out of them.
5,000 point anniversary bonus. You get this every year you hold the card, which helps take some of the sting out of the annual fee.
Free first checked bag. This saves you $40 roundtrip on many JetBlue flights versus paying for your first checked bag. You also get 50% off inflight purchases and 10% of your points back when you redeem your points.
Miles never expire. JetBlue True Blue points don’t expire, whether or not you have a credit card.
$99 annual fee. No getting around it – you pay it upfront.
Underwhelming premium travel protection. Unlike many travel credit cards with this high of an annual fee, the JetBlue card doesn’t have the kind of trip cancellation or trip delay coverage you’ll find on cards like the Chase Sapphire Preferred or Citi ThankYou Premier.
Few airline partners. The only other airline you can use your points for is Hawaiian Airlines, and the value for using them that way isn’t great.
In this review we’ll go over whether it’s worth $99 to get this card, and we’re happy to answer any questions you have before applying.
Questions and answers
JetBlue points let you book flights on JetBlue without paying cash. You just search for flights on Jetblue.com and choose ‘TrueBlue points’ as the fare option, and you’ll see prices in points. There are no blackout dates or special award seats to deal with, and JetBlue points never expire.
The price of a flight in points depends on how expensive the flight is with cash, so flights that have higher prices in cash have higher prices in points.
Underneath the hood JetBlue assigns a value per point to each flight, and that value varies from about 1 cent to 1.5 cents per point. Usually, fares that are really cheap in cash get assigned a higher value per point, so your points go further.
The moral of the story is – use your JetBlue points when flights are really cheap and your points will stretch further. For example, you can get a $139 fare to Los Angeles for just 9,200 points, a value of 1.5 cents per point.
JetBlue flies to dozens of destinations in North America, the Caribbean, and Latin America.
You can also use JetBlue points to book Hawaiian Airlines flights. The price you pay in points for Hawaiian flights is also based on how much a cash ticket costs, with the following rates:
You’re getting a penny or less per point in value when you use JetBlue points to book Hawaiian Airlines flights, so we wouldn’t recommend it, but it’s an option to consider if you have no use for JetBlue flights.
There are two main categories of people that should get the JetBlue Plus credit card. First, if you fly JetBlue on occasion and can make use of free checked bags and/or inflight food, beverage, and movie discounts.
After accounting for the fact that the 5,000 anniversary points are worth at least $50, you only need to make up $49 in value to break-even on the $99 annual fee. Checking a bag for one round-trip flight would get you nearly there.
Otherwise, there’s a no annual fee JetBlue card that earns the same 2x points at restaurants and grocery stores. It just doesn’t come with the free checked bag, 6x points on JetBlue purchases (it’s only 3x) and 5,000 mile anniversary bonus.
But if you don’t check bags you’d have to spend over $1,500 a year on JetBlue purchases to earn an extra $49 in points to make the annual fee worthwhile vs the no fee version.
The second category of people that should consider getting the JetBlue Plus credit card are individuals that spend a lot on a card and also fly JetBlue semi-frequently, but not enough to earn Mosaic status.
If you spend more than $50,000 on the credit card within the year, you will receive Mosaic status that may be beneficial to you if you fly JetBlue pretty frequently. Note that if you don’t fly JetBlue enough to make use of the status or don’t really care about the status, there are better credit cards available to put your everyday spending on.
You shouldn’t get the JetBlue Plus credit card if you don’t fly JetBlue. Even if you do fly JetBlue, you should be able to make use of the free checked bag benefit at least once per year in order to break-even on the annual fee.
If you won’t be able to make use of a free checked bag at least once per year, there’s a no annual fee JetBlue card that earns JetBlue points but doesn’t have the free bag benefit.
You get your first checked bag free on all JetBlue flights, but you must buy your ticket with your JetBlue Plus Card and keep these guidelines in mind:
You earn 2x points on purchases at restaurants and fast food merchants, so it’s not limited to sit-down restaurants.
If you spend $50,000 on the card from January – December in any given year, you’ll get JetBlue Mosaic status.
30,000 points is the biggest offer we’ve seen so far. It’s a new card, so there’s a chance it could go up for a limited time at some point.
The JetBlue Plus credit card is definitely worth having if you can make use of the free checked bag benefit once a year or more, especially if you like to order a drink, food, or watch movies when you fly.
If you spend money on JetBlue flights, you can rack up a lot of points with the JetBlue Plus credit card, but remember that these points earned are considerably less flexible than transferable point currencies like American Express Membership Rewards, Citi ThankYou Points, and Chase Ultimate Rewards.
It may make sense to sacrifice a few thousand points earned per year in order to gain the additional flexibility of a transferrable points currency. We recommend getting the JetBlue card if you can make use of the free checked bag or if you buy a couple of JetBlue tickets every year, but we would suggest putting non-JetBlue spending on a different credit card.
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Or, consider other cards for 50,000 more miles or points that transfer into United miles with additional flexibility for your everyday spending.
$1,000 toward travel or transfer to United, Southwest, and more.
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