The
JetBlue Card is a good credit card to consider if you have a credit score of
700 or higher and you fly frequently but not enough to justify paying an annual fee on a card. This is one of the best airline credit cards with no annual fee because it has good rewards, including an initial bonus and in-flight savings. It does not provide quite as much value as the best airline credit cards overall, but it’s a great choice for lighter spenders.
What I Like About the JetBlue Credit Card
Initial bonus
The
10,000 points that you’ll get for charging at least
$1,000 to your JetBlue Mastercard within
90 days of opening an account are worth about
$137, according to WalletHub calculations.
That offer is
below average, both among cards with bonuses in terms of points/miles (
35,350 points/miles) and compared to cards providing cash back (
$238.74 on average), according to our research. Still, it’s pretty good for a card with no annual fee, and it’s way better than nothing.
No annual fee
The fact that the JetBlue Credit Card does not charge an annual fee makes it rather unique among travel rewards credit cards. It also saves you
$28.25 per year compared to the average credit card, according to our database of 1,500+ credit card offers.
That said, paying an annual fee can sometimes enable you to earn a lot more than you would otherwise.
Solid ongoing rewards
You will earn
3 points / $1 spent on JetBlue purchases, 2 points / $1 at restaurants and grocery stores, and
1 point / $1 on everything else. That equals 1.37% to 4.11% back, as JetBlue points are worth an average of
1.37 cents per point when redeemed for airfare, according to WalletHub research. Those points won’t expire either.
To put the JetBlue Card’s rewards into context,
average rewards cards provide
1.2 points/miles per $1 spent or
1.18% cash back. The JetBlue Card clearly has those benchmarks beat. Plus, you’ll save 50% on inflight purchases, including alcohol and movies.
0% balance transfer offer
The JetBlue Mastercard offers
0% for 12 months interest on balance transfers, which might seem like a great deal until you realize that nearly 300 cards offer 0% intro rates for at least as long. In fact,
12 months is just about average for a 0% transfer card (the average is
13.05 months).
I can’t say that I dislike a 0% introductory APR promotion, but there are better ways to reduce the cost of existing debt. You can check out our picks for the
best balance transfer credit cards to learn more.
What I Don’t Like About the JetBlue Credit Card
Potential for a very high APR
The JetBlue Credit Card’s interest rate is not low. Actually, many applicants are bound to overpay on interest if they carry a balance from month to month, given that you need at least good credit for approval and the average credit card for good credit has an
23.26% APR.
To maximize the value of this card, you need to pay your bill in full each month. Interest charges will not accrue if you do that.
Balance transfer fee
If you transfer a balance to this card, you’ll have to pay a fee:
5% (min $5) of your balance. That’s higher than average, and it contributes to the transfer deal being nothing special.
You need Good credit to climb aboard
The JetBlue Mastercard Credit Card requires good or excellent credit for approval. That disqualifies a significant portion of potential applicants, so make sure to
check your credit score before submitting an application. A score of
700 or higher should give you a good chance.
If you have a credit score of 750 or higher, you might also want to consider the
JetBlue Plus Card. It has more rewards but charges an annual fee.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
