JetBlue Business Card review | finder.com

JetBlue Business Mastercard® review – September 2018

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Generous rewards include up to 6x points on this low-cost carrier plus points on business expenses and top travel perks.

30-second take

  • Get this card if you’re a business owner who’s loyal to JetBlue.
  • Pick something else if you prefer other airlines, don’t want an annual fee or are looking for cash back.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameJetBlue Business Mastercard®
Card TypeMastercard
Annual Fee$99
APR (Annual Percentage Rate) for Purchases17.74% or 21.74% variable
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 20 days
Minimum Interest$1
Late Payment Fee$39
Returned Payment Fee$39
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 50,000 points after spending $1,000 in the first 90 days
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The basics

If you’re a business owner who regularly flies with JetBlue, you’ll like the benefits of this small business card.

Let’s start with the TrueBlue points you can earn on purchases with the low-cost carrier — a generous 6x points per dollar. You’ll also earn 2x points at office supply stores and restaurants and 1x points on all other purchases.

Another perk is 5,000 bonus TrueBlue points on your card anniversary. All points earnings are unlimited and don’t expire.

As for travel extras, your JetBlue Business Mastercard® allows for a free checked bag for you and up to three companions flying on the same reservation. You also get 50% off in-flight meals, beverages and JetBlue movies. Not to mention foreign transactions attract no fees.

Spend more than $50,000 in a calendar year with your card, and you’re upgraded to enjoy TrueBlue Mosaic benefits for fee-free changes and cancellations, seat upgrades and early boarding. All in addition to more robust point multiples.

With many benefits and only a $99 annual fee, it’s a top choice for business that travel a lot in regions served by JetBlue. Add cards to your account at no additional fee with the flexibility to set individual limits and other restrictions for each employee.

The perks

  • Earn points: Get up to 6x points on spending and 5,000 bonus points on your account anniversary.

    If you frequently fly to JetBlue destinations, take advantage of 6 points for every dollar you spend directly with the airline. You’ll earn 2 points for every dollar spent on office supplies and restaurants and 1 point for everything else.

    JetBlue doesn’t limit how many points you can earn, and they don’t expire. Redeeming your points with TrueBlue also earns you 10% of your points back.

  • JetBlue extras: Get perks and savings when you fly.

    Pay for your airfare with the JetBlue Business Mastercard®, and you’ll pay no fee for your first checked bag. Neither will up to three companions traveling on the same reservation. Just remember to enter your linked TrueBlue number when booking.

    Save 50% off meals, drinks and movies you purchase onboard. And if you spend more than $50,000 in a year, you can take advantage of TrueBlue Mosaic benefits through the next calendar year.

  • Spend abroad without worry: No transaction fees.

    Avoid any foreign currency conversion fees when you use your card overseas.

  • Add employees: No fees for extra cards.

    You pay one $99 annual fee for your account, regardless of how many employee cards you add.

You’ll also like …

  • $100 statement credit on a JetBlue Vacation.

    Purchase a JetBlue Vacations package of $100 or more and you’ll see a $100 statement credit applied to your account. You can take advantage of this deal once each calendar year.

  • Car rental protection.

    Rentals purchased with your card come with a collision damage waiver for up to 30 days.

  • Purchase protection.

    Most items you buy with your card are covered against loss or damage for 90 days from purchase.

What to watch out for

  • Limited points earnings outside of JetBlue.

    The 6x points earned on JetBlue purchases is solid. But you’ll earn limited points on office supplies, restaurants and everyday spending. Other business cards offer stronger rewards that can include 1.5 miles or 2% cash back across all spending.

  • Annual fee.

    Given this card’s rewards, loyal JetBlue fliers can quickly make up the $99 annual fee. Still, other business rewards cards charge no annual fee.

  • Potentially high APR.

    This card comes with no low- or 0%-APR intro period, attracting 17.74% to 21.74% variable APR on purchases immediately. Cash withdrawals come with a high 26.99% variable. You’ll want to keep this in mind if you plan to carry balances monthly.

Consider other cards if …

  • Your business doesn’t fly JetBlue.

    Many of this card’s core benefits are tied to JetBlue. If your employees don’t travel much to JetBlue destinations, consider a general travel rewards card like the Capital One Spark® Miles for Business. It offers 2x miles on all spending for a $95 annual fee.

  • Travel benefits are important.

    This card’s benefits are good, but other business cards offer broader travel perks. For example, Business Platinum Card® from American Express includes airport lounge access and complimentary Wi-Fi, plus tier status at Hilton and Starwood brands.

  • You don’t charge a lot on cards.

    You’ll pay $99 each year you use this card. But for an occasional-use option, consider the SimplyCash® Plus Business Credit Card from American Express. It charges $0 annual fee and returns 1% cash back on all purchases, along with many other benefits.

Compare business credit cards

Updated September 26th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
$0 annual fee for the first year ($175 thereafter)
Get 1 Membership Rewards® point per dollar on business purchases, and even more points in 5 select categories. Terms apply.
13.99%, 18.99% or 20.99% variable
0% for the first 9 months (then 13.99%, 18.99% or 20.99% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 13.99% - 20.99% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
17.74% to 24.74% variable
$99
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.49% to 25.49% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

What size business is the JetBlue Business Mastercard® good for?

The JetBlue Business Mastercard® is a good match for small- to medium-size businesses looking to get big value on JetBlue flights with a small $99 annual fee. All business purchases earn TrueBlue points with no cap on how much you can earn.

Larger companies might prefer more robust expense management tools and tracking apps, which this card lacks.

What should I know before I apply?

To apply for the JetBlue Business Mastercard®, you must be at least 18 years old, a permanent US resident and the sole proprietor or authorized representative of your business.

Required documents and information

  • Your name, address, Social Security number and date of birth
  • Full details of your business, including its legal name and registered address
  • The number of employees in your business and your total annual revenue
  • Your TrueBlue member number, if you’re a member

What credit score do I need?

You’ll have a better chance of approval for the JetBlue Business Mastercard® if you apply with a good to excellent credit score of 670 or higher.

What’s my likelihood of being approved?

Barclaycard, this card’s issuing bank, doesn’t release internal approval criteria, but expect it to look at many factors beyond your credit score when considering your application. It will likely consider the total credit already available to your business, how much of that credit is currently in use and your ability to repay on your spending.

Ultimately a good to excellent credit score can bolster your chances of approval, but it’s no guarantee.

What do customers say about the JetBlue Business Mastercard®?

Customers online generally praise this card’s earning potential on JetBlue’s already low airfare. But a few say that they’ve received notification of lower credit limits after only a few months of using it, without a lot of explanation as to why. Others say that approval can be difficult if you own other business credit cards.

Some reviewers indicate that help with Barclaycard customer service is quick and sufficient, even if the problem is difficult.

Barclaycard is part of Barclays Bank Delaware, which earns an A+ from the Better Business Bureau, where it’s been accredited since January 2001. However, the brand earns a 2.3 out of 10 on Trustpilot, garnering 211 one-star reviews that cite poor communication, unexpected credit limit decreases and charge issues.

How to apply for the JetBlue Business Mastercard®

  1. Apply from JetBlue’s site by searching for the JetBlue Business Mastercard®.
  2. Enter the requested personal and financial information about you and your business.
  3. If you have one, enter your existing TrueBlue membership number to link your account.
  4. Add information for any employees you’d like to add to your account.
  5. Review your application, and click Apply.

How long will it take to be approved?

Barclaycard offers an automatic approval process, which means you could see an instant decision on your application. If your application requires a manual review, it might be a few weeks before you see a decision.

How long will it take to get my JetBlue Business Mastercard®?

After your application is approved, you can expect to receive your new JetBlue Business Mastercard® by mail in 7 to 10 business days.

I got the card. Now what?

  • Pay on time. To avoid late fees of up to $39, set up autopay to cover at least your account’s minimum payment each month.
  • Redeem your points. Keep an eye on your TrueBlue points balance to put them toward JetBlue flights once you’ve racked up enough.
  • Add employees. Increase your points earnings by adding cards for your employees. You won’t be charged a higher annual fee for additional cards.

Top Barclays business cards

Bottom line

The JetBlue Business Mastercard® is a no-brainer for businesses that regularly fly to JetBlue to destinations — or are looking to.

But if you prefer other airlines or stronger rewards on everyday spending, look into other card options for small businesses.

Frequently asked questions

Images: barclaycardus.com

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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