JetBlue® Business MasterCard®
The JetBlue Business MasterCard is a great option for any frequent JetBlue flyer. The card has useful bonus categories to help earn points quickly and a variety of JetBlue benefits.
The card comes with a 30,000 points sign-up bonus after spending $1,000 in the first 90 days. You will earn double points at both restaurants and office supply stores, plus an awesome six points per dollar on JetBlue purchases. Card members also receive a free checked bag and a 50% in-flight savings
The value of your points also increases when you hold this card since you get a 10 percent refund each time you redeem for an award ticket. You can earn TrueBlue Mosaic elite status with this card, too, by spending $50,000 during a calendar year.
There are some negatives for this card as well. The JetBlue Business MasterCard comes with a $99 annual fee that is not waived for the first year. Plus, JetBlue does not fly to as many cities as major legacy airlines, and therefore this card may not be useful to as many travelers.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the JetBlue® Business MasterCard® offers and the value of the Barclays TrueBlue points you earn.
The Barclays JetBlue Business card comes with a 30,000 points sign-up bonus after spending $1,000 in the first 90 days of account opening. With a typical redemption value of 1.68 cents per point, the sign-up bonus is worth approximately $504. In addition, the JetBlue Business card automatically gives you 5,000 points each year when you renew your account. At the same valuation, it’s worth $84, which offsets most of the $99 annual fee.
Barclaycard offers several benefits for business owners. Barclays will provide a consolidated statement which shows the primary cardholder’s spending along with that of each employee card. You can add employee cards at no additional cost and each card will have your business name embossed on it. You can also set up control and spending limits for each card.
The JetBlue Business card also offers an annual spending bonus, which fast tracks you to elite status. If you spend $50,000 in a calendar year, you automatically receive Mosaic status, which grants a wide range of benefits (more on that below).
As a card member, you’ll receive 10 percent of your points back each time you make a redemption, which effectively increases the value of your points by 10 percent. You can also get a $100 statement credit if you purchase a JetBlue vacation package, which is airfare combined with a hotel stay.
What You Get
- 30,000 points after you spend $1,000 within the first 3 months
- 5,000 points every year you renew your card
- 10% of your points back on every redemption
- Mosaic elite status after spending $50,000 in a year
- Free checked bag for cardholder and up to 3 companions
- $100 statement credit after purchasing a JetBlue vacation package
- Complimentary employee cards
- 6 points per dollar spent with JetBlue
- 2 points per dollar at restaurants and office supply stores
TrueBlue points never expire. This is generous considering that most airlines require activity in order to keep points from expiring. If you happen to go an extended period between JetBlue redemptions, there is nothing to worry about!
What is the value of the TrueBlue Points?
JetBlue does not have an award chart like most airlines. Instead, the cost of award tickets vary with the cash price of the ticket. The redemption values float within a range, though, so it is not a true fixed-value points program.
Those who have conducted extensive analysis on the value of TrueBlue points tend to find that the value ranges between 1 to 1.9 cents per point. Mint fares, JetBlue’s premium cabin product available on transcontinental and Caribbean flights, tends to have the highest values, typically around 1.68 cents per point.
What is CPM and How Is It Calculated?
Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.
How we calculate CPM:
The Best Ways to Redeem JetBlue Points
JetBlue has a revenue-based award program. According to JetBlue, award prices vary based on the published base fare at the time of booking. That depends on, among other things, the flight chosen and applicability of peak travel periods. The airline does not publish an award chart, so the price of any award can only be determined by searching on JetBlue’s site and viewing the results.
Revenue-based award systems have both positive and negative attributes. You can always get decent value for your points, even when redeeming them for relatively cheap flights. That’s because the award price will also be relatively low. Also, the value of your points will not vary as much as they can with zone- or distance-based programs, so you’ll always know about what your points are worth.
The main negative about a revenue program is that it is not possible to get outsized value for your points. The very best redemptions for JetBlue typically top out around 1.9 cents per point.
Many travelers want to know the best way to use JetBlue points. The best redemptions are typically for JetBlue’s Mint premium cabin product on transcontinental and Caribbean flights. JetBlue points are also eligible to be redeemed on Hawaiian Airlines flights.
Boston–Fort MyersEconomy classMiles price17,600points+$11.2 feeDollars price$264
New York–CharlestoneEconomy classMiles price14,500points+$11.2 feeDollars price$255
Salt Lake City–Long BeachEconomy classMiles price12,300points+$11.2 feeDollars price$194
Havana–Fort LauderdaleEconomy classMiles price12,200points+$72.06 feeDollars price$276
New York–NassauEconomy classMiles price18,200points+$107.16 feeDollars price$460
Boston–BridgetownEconomy classMiles price32,700points+$59.86 feeDollars price$624
San Francisco–BostonBusiness classMiles price54,700points+$11.2 feeDollars price$1,143.03
Seattle–AtlantaBusiness classMiles price79,000points+$11.2 feeDollars price$1,121.6
Las Vegas–Fort LauderdaleBusiness classMiles price46,400points+$11.2 feeDollars price$658.4
New York–KingstonBusiness classMiles price46,800points+$102.8 feeDollars price$625.5
Orlando–MexicoBusiness classMiles price27,500points+$65.8 feeDollars price$490.1
San Francisco–CancunBusiness classMiles price65,000points+$80.0 feeDollars price$1,500
Other ways you can redeem points
JetBlue offers the ability to redeem points for vacation packages, which include both hotels and airfare. They can only be booked using the cash + points option
Points can be redeemed for magazine subscriptions with no cash cost. There are a wide variety of magazines from which to choose, and redemptions start at just 100 points.
Flights on Hawaiian Airlines
While JetBlue is not a member of an airline alliance, they do have a partnership with Hawaiian Airlines. These award flights cannot be booked online; you must make your reservations through 1-800-JETBLUE (538-2583).
TrueBlue point cannot be redeemed directly for cash back.
The bonus categories offered by the JetBlue Business MasterCard make it a very good card to earn JetBlue points. Most co-branded airline cards don’t offer bonus categories outside of spending with that specific airline.
The JetBlue Business card earns two points per dollar at both restaurants and office supply stores. If you are a business owner that spends a significant amount of money at office supply stores, such as Staples or Office Depot, there is a ton of earning potential by having this card. The bonus categories do not have spending caps, so you can earn an unlimited number of points at bonus rates. The card also earns six points per dollar on JetBlue purchases.
- JetBlue purchases
- All Other Purchases
Purchases must be submitted by merchants using the eligible merchant category codes for restaurants and office supply stores to qualify for double points. This list is maintained by MasterCard, not Barclays or JetBlue.
Free Checked Bag
The primary cardholder and up to 3 travel companions on the same reservation receive their first checked bag free. In order to receive this benefit, the fare must have been purchased with the JetBlue Business MasterCard.
Receive 10% of your points back each time you redeem. There is no cap on number of points that can be saved using this benefit.
Get 50% off eligible in-flight purchases, including cocktails, beer, wine, meals and movies.
No Foreign Transaction Fee
You’ll never pay an additional fee to use the card while traveling abroad.
Earn Elite Status Fast
JetBlue only has one level of elite status, which is called Mosaic. Earning Mosaic status typically requires 30 segments plus 12,000 base flight points, or 15,000 base flight points. JetBlue Business cardholders can earn status by spending $50,000 in a calendar year, with no flying requirement.
Mosaic status comes with several benefits, including complimentary alcoholic beverages, waived change and cancellation fees, two free checked bags, 15,000 bonus miles upon qualification and faster points earnings. You also get access to an expedited security line and early boarding.
Earn Mosaic status by spending $50,000 a year on your JetBlue card
Fees: the cost of Having the Card
The annual fee for this card is $99. At a typical valuation of 1.68 cents per point, you would need to spend $6,188 a year to earn enough to offset the fee. However, with an automatic annual renewal bonus of 5,000 points, the net amount of spending required to offset the rest of the annual fee is just $1,188. In addition, the JetBlue Business card earns double points on groceries and office supply stores, so if some of your spending falls in these categories, you would need to spend even less.
The annual fee is not waived for the first year, however the 30,000 points sign-up bonus easily covers the cost of the fee.
- Annual Fee
- Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign Transaction Fee
- Late Payment Fee
For Account balances less than $250: $19. For Account balances equal to or greater than $250: smallbold>$39
See What It Takes to Cover an Annual Fee:
Get anniversary bonus: 5,000 points
You will receive 5,000 bonus points each anniversary year – enough to cover more than a half of the annual fee.
We strongly recommend to spend not less than $1,965 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the JetBlue Business MasterCard. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the JetBlue Business Card
The JetBlue Business card combines strong earning power with a solid array of travel benefits. Here are the top 5 perks:
- Big Sign-Up Bonus: This card comes with a nice sign-up bonus of 30,000 points which is worth approximately $504 in airfare.
- Earn Points Quickly: The card has 3 bonus categories: 6x on JetBlue purchases, 2x at restaurants and 2x at office supply stores.
- Free Checked Bags: The primary card member and up to 3 travel companions on the same reservation each receive their first checked bag free. This can result in up to $200 of savings on a round-trip flight.
- Fast Track to Elite Status: You can earn Mosaic status when you spend $50,000 per calendar year, which offers free checked bags, free alcoholic beverages and priority benefits.
- Anniversary Bonus: Each year you renew your card you automatically receive 5,000 bonus points. This helps offset most of the annual fee.
Should You Get the JetBlue Business MasterCard?
The JetBlue Business card is a great choice for frequent JetBlue travelers. After accounting for the value of the 5,000 points anniversary bonus, the annual fee is effectively only $19. Even getting a single free checked bag a year, which would be a $25 savings, would make the card pay for itself.
This card has significantly better earning power than most airline cards. With double points at both restaurants and office supply stores, there are a ton of opportunities to rack up points and earn your next free flight.
The card is also great for those seeking a shortcut to elite status. Spending $50,000 in a calendar earns you automatic Mosaic status. While this status doesn’t have nearly the benefits that are available with top status on other airlines, it still improves the travel experience for frequent flyers.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
- The JetBlue Business card is issued by Barclaycard and can be applied for on their website. Barclaycard is not the most restrictive card issuer; they don’t have any hard and fast rules regarding approval or sign-up bonuses like most of the big banks.Chase will not approve you for most cards if you have opened five or more card accounts in the past 24 months; Amex will not allow you to hold more than 4 to 5 total credit cards; and Citi has restrictions on sign-up bonuses that apply to entire families of cards. If you are having trouble with other banks, Barclaycard may be a place to look.
- Yes, there is. The JetBlue Business card is very similar to the JetBlue Plus card on the personal side. Both have a $99 annual fee, a 30,000 points sign-up bonus and the same array of benefits. The one difference is in the bonus categories. The personal card earns two points per dollar at grocery stores, while the business card earns two points at office supply stores.
- The JetBlue Business card is a fantastic way to rack up JetBlue miles, which are called TrueBlue points. The card has three bonus categories. You’ll get six points per dollar on JetBlue purchases, two points per dollar at restaurants and two points per dollar at office supply stores.Amex Membership Rewards points transfer to JetBlue, but the standard rate is only 250 MR points to 200 TrueBlue points. Citi ThankYou points also transfer, but their cards don’t have a bonus category as broad as office supply stores. And do card has a better earning rate on JetBlue purchases than the six points per dollar offered by this card.
- The current sign-up bonus for the JetBlue Business card is 30,000 points after spending $1,000 in the first 90 days. This is a relatively low spending requirement for the number of points you’ll get. It is also a much higher offer than the 5,000 points available for the no annual fee version of the JetBlue card. It’s great for people looking to earn points quickly.
There are three different JetBlue credit cards offered by Barclaycard. First is a no annual fee card which has a 5,000 points sign-up bonus and a reduced array of benefits. Second is the JetBlue Business card discussed in this review. Last is the JetBlue Plus card, which has almost all of the same benefits as the business card.
Other JetBlue cards
The JetBlue Plus card and the JetBlue Business card are essentially identical. Relative to the no annual fee card, they offer higher earning power on JetBlue purchases (three points per dollar vs. six points), as well as free checked bags and the ability to earn Mosaic status.
The no annual fee JetBlue card still offers double points at restaurants and grocery stores, and may be a good option for less frequent travelers.
Compare the JetBlue Business MasterCard to Other Cards
The JetBlue Business card has a smaller sign-up bonus that most co-branded airline business credit cards on the market, but it has better earning power for everyday spending.
The Delta Reserve card for Business has a much higher annual fee than the other options here at $450. However, it comes with free lounge access and an annual companion ticket. The sign-up bonus includes 40,000 miles and 10,000 MQMs to help qualify for elite status.
The United MileagePlus Explorer Business card has a higher sign-up bonus at 50,000 miles and comes with a $95 annual fee, which is waived for the first year.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the JetBlue Business MasterCard, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this MasterCard.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 12.99% to 20.99% Variable±
- Minimum Grace Period:
- 20 days
- Extended Warranty Protection:
- This card doubles the warranty on purchases for up to 1 year.
- Purchase Protection:
- You may have items replaced, repaired or reimbursed within 90 days of purchase due to theft or damage.
- Price Protection:
- Get reimbursed up to $250 if you find a lower advertised price for an item you bought within 120 days of purchase.
- Return Protection:
- Get reimbursed for items the merchant won’t accept for return within 90 days of purchase.
Cash Advance Features
- Ongoing APR:
- 26.24% Variable±
- Cash Advance Fee:
- Either $10 or 3% of the amount of each cash advance, whichever is greater
Security and Protections
The JetBlue Business card comes with an EMV chip, which stores your card’s data using encryption technology. This protects you from fraud by making the card nearly impossible to reproduce. In addition, the card offers the ability to use a PIN, which enables secure transactions at many automated kiosks in foreign countries. The card also has $0 Fraud Liability protection, which means you aren’t liable for any unauthorized purchases.
- Account alerts:
- Set up alerts to be notified when large transactions occur or there is suspicious, potentially fraudulent activity on your account.
- Mobile Fraud Alerts:
- Receive a text message any time suspicious activity occurs.
- EMV Chip Technology:
- Get global acceptance and enhanced security at merchants that use chip-enabled terminals.
- Credit Score Reports:
- Barclaycard offers free FICO scores and allows you to receive alerts when your score changes.
Barclaycard offers free mobile apps for both iOS and Android phones. Features off the app include the ability to:
- Track spending
- View current balance and available credit limit
- Pay your card and transfer balances between accounts
- Pay bills from other banks/merchants
Additional Cardholder Benefits
The JetBlue Business card is issued by Barclaycard as a World Elite MasterCard. A World Elite MasterCard comes with additional benefits above those provided by a standard MasterCard.
Master Card Travel Benefits
- World Elite Air Program:
- Offers discounts on upgrades to business class when purchasing full fair economy tickets on certain airlines.
- World Elite Cruise Program:
- Offers credits of $150 to $500 per room when booking a cruise through the program on participating cruise lines.
- World Elite Rental Car Benefits:
- Card members can receive discounts of 5% to 25% when renting cars from any of the six participating rental car companies.
- World Luxury Hotels & Resorts:
- Benefits vary by property, but include items such as free breakfast, room upgrades and spa or dining credits.
- Lost Luggage Reimbursement:
- Get up to $3,000 in reimbursements for lost luggage. Coverage is subject to a limit of $625 per item.
- Travel Accident Insurance:
- Receive accidental death or dismemberment coverage of up to $100,000 for accidents and injuries occurring on domestic or international trips.