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JetBlue Business Card Review

JetBlue Business Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Feb 19, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Businesses that rely heavily on JetBlue for travel should take a close look at the JetBlue Business Card in order to take full advantage of the travel benefits that come with it. The card comes with the chance to earn higher True Blue loyalty program points for business-related spending and offers perks designed to make travel smoother.

Know that you and your business must fly on JetBlue almost exclusively to get the biggest bang for your points buck. JetBlue’s route network isn’t as large as the legacy carriers, so it might not fly to all the cities you visit for business and personal travel.

If you want more flexibility, and better perks and rewards, the Ink Business Preferred® Credit Card may be a better option. It offers higher points in key business spending categories, more value for the points you earn when redeemed for travel, more flexibility in using your points and better perks than the JetBlue Business Card. We take a look at both cards and help you choose which one is best for your business.

Where the JetBlue Business Card stands out

The best way to use this card is by spending on JetBlue, including JetBlue.com, JetBlue reservations, JetBlue Getaways and at JetBlue airport ticket counters. New cardmembers Earn up to 50,000 bonus points Earn 40,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days.. That’s a reasonable spend to earn enough points to book a roundtrip flight from New York to San Francisco.

Earn 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases. There’s no limit to how many points you can earn on the card as long as your account remains open, active and in good standing.

If you fly at least two Blue fare (the airline’s least expensive one) round-trip flights in a year and check a bag for each flight segment, at $30 each way, the card’s $99 annual fee is covered since it comes with a free bag for you and up to three travel companions.

The card comes with balance transfer APR of 17.74% or 26.74% variable with a balance transfer fee of Either $5 or 3% of the amount of each transfer, whichever is greater. The regular purchase APR is 17.74% or 26.74% variable.

Businesses can open employee cards for no cost. You can set controls on employee cards for credit lines, single purchase limits or cash access and receive a consolidated statement for all purchases. You can also separate business and personal expenses to make recordkeeping simple, and you have the ability to monitor and download transactions.

Unlike the legacy carriers, JetBlue only has one category for elite status — TrueBlue Mosaic, under its True Blue loyalty program. You receive it after either earning 15,000 base flight points, or by flying 30 segments plus earning 12,000 base flight points within a calendar year. You can also qualify for Mosaic if you spend $50,000 or more annually on the JetBlue Business Card.

Mosaic perks include: JetBlue change and cancellation fees waived for members and others on their itinerary; two free checked bags for you and others on your itinerary; 15,000 bonus points after qualifying for Mosaic; free access to expedited airport security lines and early boarding for flights; and earning an additional 3 TrueBlue points per $1 spent on JetBlue flights when booking on jetblue.com.

Redeeming points is easy. Once you have enough points for an award flight, go to jetblue.com and sign in to your TrueBlue account. Click on book travel, then select the option to search using points. Choose and book your flight as usual. You can use your TrueBlue points any time on all flights, with no blackout dates.

Every time you redeem TrueBlue points for a flight, you’ll earn 10% of them back. On your JetBlue Business Card account anniversary, you’ll get 5,000 bonus points added to your TrueBlue account as long as your credit card account remains open, active and in good standing.

Each calendar year you buy a JetBlue Vacations package of $100 or more with your card, you earn a $100 statement credit. Get 50% off cocktails, food and other eligible purchases onboard JetBlue flights when using the card. Earn 4 TrueBlue points per dollar spent when you shop at Amazon.com aboard your flights using Fly-Fi® Wi-Fi and the JetBlue Business Card after you log into your TrueBlue account.

If you travel outside the country, you’ll pay a foreign transaction fee of 0% of the U.S. Dollar amount.

Where the JetBlue Business Card falls short

Unlike other airline and travel-branded cards, you can only use the TrueBlue points you earn the card on JetBlue or Hawaiian Airlines, so redeeming points for a free flight to London isn’t an option. The airline’s route network only covers around 100 cities in the U.S., Caribbean and Latin America, with an average of 1,000 daily flights.

Compare this to American Airlines, which flies almost 6,700 flights a day to 350 destinations in more than 50 countries. It grows to 14,000 daily flights to more than 1,100 destinations to 180 countries when you throw in American’s oneworld airline alliance partners.

The JetBlue Business Card does have a $99 annual fee with no first-year waiver. You may be able to find other cards that offer similar travel benefits at a lower annual rate or an intro $0 rate for the first year. The truth is, there are other business cards on the market that offer better points for non-JetBlue travel, restaurants, gas and grocery stores.

If you don’t fly enough to earn Mosaic, it may be hard to meet the $50,000 spending required every year required to get it, although it isn’t impossible if you earn points from your and your employees’ cards.

Compare it with the Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card allows companies to earn higher points in more popular spending categories than the JetBlue Business Card. Plus, you get more value for those points when you redeem them for travel at the Chase Ultimate Rewards® website — all for a $95 annual fee.

Read Tips for Booking Travel on the Chase Ultimate Rewards Website.

Businesses 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. This is much better than the categories covered with the JetBlue Business Card. Another big benefit of this card is you receive 25% more value for your points when you redeem them for travel at the Chase Ultimate Rewards website. New cardmembers earn Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.. That converts to $1,000 that can be used at Chase Ultimate Rewards.

The Ink Business Preferred® Credit Card has a much broader definition of travel than the JetBlue Business Card, including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, parking lots and garages.

Points can be used for flights on most major airlines with no restrictions or blackout dates, along with vacation packages, cruises, car rentals and more — all with 25% more value at the Chase Ultimate Rewards website. Buy gift cards, pay for part or all of your orders at Amazon.com or redeem points for cash back as a statement credit or direct deposit to most U.S. checking and savings accounts. Transfer the points you earn on the card 1:1 to nine airline or three hotel loyalty programs (including JetBlue) in 1,000-point increments.

The card has a regular purchase APR of 17.49% - 22.49% Variable. The balance transfer APR is 17.49% - 22.49% Variable.

You can add employees to your business card at no cost, track spending and set spending limits. This card comes with more perks than the JetBlue Business Card, including cellphone protection, trip cancellation/trip interruption insurance, roadside dispatch, an auto rental collision damage waiver, purchase protection and an extended warranty. Like the JetBlue Business Card, this one also has a $0 foreign transaction fee.

You won’t earn higher points on dining and gas with this card. There’s a $150,000 per account anniversary cap for top spending categories. After that, it drops to an unlimited 1 point per dollar spent.

Read our full review of the Ink Business Preferred® Credit Card.

JetBlue Business Card Ink Business Preferred® Credit Card
Annual fee $99 $95
Regular purchase APR 17.74% or 26.74% variable 17.49% - 22.49% Variable
Rewards 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases. 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.
Sign-up bonus Earn up to 50,000 bonus points Earn 40,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Foreign transaction fee 0% of the U.S. Dollar amount. $0

The bottom line

The choice between the JetBlue Business Card and the Ink Business Preferred® Credit Card is pretty simple.

Choose the JetBlue Business Card if you’re loyal to that airline, like the flight-related perks that come with it and want a way to earn elite status. Go with the Ink Business Preferred® Credit Card if you want to earn more points for travel and business-related spending, have more flexibility in redeeming your points and want a card with travel and purchase perks.

Neither card comes with the ability to appoint an account manager, connect accounts to QuickBook accounting software and access to dedicated customer service and business help phone lines — that help you run your business like competitors in that segment, including the Delta SkyMiles® Gold Business American Express Card or the Capital One® Spark® Miles for Business

But if having those tools with a credit card isn’t important to your business, then the final decision comes down to whether the amount of flying you do on JetBlue is worth getting its card.

Read our roundup of the Best Small Business Credit Cards.

The information related to the Ink Business Preferred® Credit Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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