JetBlue Business Card
- Annual Fee
- $99
- points · Welcome Bonus
- 50,000
- Highest rate (conditional)
- Up to 6X (Jetblue)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $99
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- JetBlue TrueBlue Rewards Program
- Point Valuation
- 1.1–1.4 cpp (mid: 1.35)
- Credit Required
- Good to Excellent
Welcome Offer
50,000
points
Spend $4,000 in the first 3 months
Earning Rates
- 6X
Jetblue
6x points on JetBlue purchases
- 2X
Office Supplies
2x points at office supply stores
- 2X
Dining
2X points at restaurants
- 1X
All Other
1X points on all purchases
Benefits & Perks
Travel Benefits
3 perksGeneral Travel
Annual Credits & Statement Credits
1 creditsUp to
$100
in recurring credits (annual)
$100 statement credit
Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more with your JetBlue Business Card. Limit one statement
$100
Annual
Dining Out
2x at restaurants
TrueBlue
≈$2.70 in value on a $100 dinner, at our valuation of 1.35¢ per point
Annual fee: $99
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
TrueBlue
The loyalty program that rewards every type of traveler
JetBlue TrueBlue is the loyalty program of JetBlue Airways, known for customer-friendly policies including points that never expire, no blackout dates on award travel, and the innovative Perks You Pick system that lets members customize their rewards. JetBlue operates primarily on the East Coast with major focus cities at JFK, Boston, and Fort Lauderdale, plus extensive Caribbean and Latin American routes. TrueBlue uses a revenue-based earning model where members earn points based on fare price. Standard fares (Blue, Blue Plus, Blue Extra, Mint) earn 3 points per dollar, with an additional 3 bonus points when booking directly on jetblue.com for a total of 6 points per dollar. The program features a unique "Tiles" system for tracking status qualification, with members earning tiles through spending and progressing through four Mosaic elite levels. JetBlue partners with Barclays for co-branded credit cards that offer accelerated earning and help members reach Mosaic status faster. The program also features Points Pooling, allowing up to 7 family members to combine points for faster award redemptions. Mosaic 4 members now enjoy complimentary access to BlueHouse, JetBlue's new airport lounge at JFK.
Program Ratings
Recent Changes & News
Major Mosaic elite program updates take effect. Positive changes: Family tiles allow children 12 and under to earn status toward linked parent's qualification. Mosaic 3 bonus increased to 4 points per dollar; Mosaic 4 to 5 points per dollar. Mosaic 4 members gain lounge access at JFK and Boston. Negative changes: Mosaic 1 checked bags reduced from 2 to 1; free alcohol reduced from 3 to 1 drink per flight; companion Even More Space access reduced (M1-2 down to 2 companions, M3-4 down to 4 companions).
Hawaiian Airlines partnership redemption window closes on September 30, 2026. Existing Hawaiian Awards bookings will remain valid but new awards cannot be booked on Hawaiian after this date.
JetBlue launches Blue Sky partnership with United Airlines, offering reciprocal mileage earning and elite status benefits between programs. Slot access at JFK and Newark planned for 2027.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Caribbean | 7,100 | — | — |
| US to Iceland in Economy on a Partner | 17,000 | economy | Europe |
| US to Lisbon/Porto in Economy on a Partner | 33,000 | economy | Europe |
| Domestic US in Business | 33,300 | business | United States |
| US to Japan in Economy on a Partner | 34,900 | economy | Asia |
| US to Middle East in Economy on a Partner | 39,000 | economy | Middle East |
| North America to Doha in Economy on a Partner | 39,000 | economy | Middle East |
| US to Europe in Business | 54,000 | business | United States |
| US to Lisbon/Porto in Business on a Partner | 89,000 | business | Europe |
| US to Japan in Business on a Partner | 79,900 | business | Asia |
| North America to Doha in Business on a Partner | 90,000 | business | Middle East |
| US to Middle East in Business on a Partner | 90,000 | business | Middle East |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #57 of 119 |
Category Rankings (1 category)
Pros and Cons
Pros
- +Exceptional 6x points on JetBlue purchases maximizes value for loyal flyers
- +Earn toward Mosaic status with every purchase
- +Group 3 boarding for you and up to 4 companions
- +Free first checked bag for cardholder and up to 3 companions
- +50% off inflight food and drinks
- +$100 annual JetBlue Vacations credit
- +5,000 anniversary bonus points each year
Cons
- -Points locked to JetBlue TrueBlue program with limited transfer options
- -$99 annual fee with no first-year waiver
- -JetBlue's limited route network compared to major carriers
- -No airport lounge access
Who It's Best For
Best For
- JetBlue-loyal business travelers seeking 6x points on JetBlue purchases
- Small businesses with frequent office supply and dining expenses
- Entrepreneurs who want to earn toward JetBlue Mosaic status with card spend
Not Ideal For
- Businesses that rarely fly JetBlue routes
- Those seeking premium travel perks like lounge access
- Companies wanting flexible points that transfer to multiple airlines
The Math: Is $99 Worth It?
First-year value includes $675.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$60
Annual Fee
-$99
Net Annual Value
-$39
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
Payment Terms
| Purchase APR | 19.74%–29.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
How to get free bags on JetBlue?
If you book a Blue Plus or Mint fare, you have at least one checked bag included. Mosaic members (starting Feb 2026: Mosaic 1+ get 1 free, Mosaic 2+ get 2 free) and [JetBlue Plus](https://pointsnav.com/credit-cards/jetblue-plus) or [Premiere](https://pointsnav.com/credit-cards/jetblue-premier-card) cardholders also receive free checked bags as part of their perks.
Does JetBlue have first class?
Yes. JetBlue's first class is called Mint, and it's highly regarded by travelers. It features lie-flat seats (6'8" on domestic), premium food and drink, priority check-in, and dedicated boarding. Some aircraft offer Mint Studio with sliding doors and large TVs for privacy.
How much are JetBlue points worth?
JetBlue points are valued at approximately 1.35¢ per point based on typical redemptions, with NerdWallet valuing them slightly higher at 1.4¢. You can expect around that rate when redeeming for JetBlue flights. Partner airline redemptions, especially on Qatar Airways and TAP Air Portugal, can deliver significantly higher value (1.5-2.0+¢ per point).
Can I use TrueBlue points to upgrade my seat?
You can use points to upgrade to Mint, JetBlue's first class product, directly at booking. Mosaic members can use Move to Mint upgrade certificates (Mosaic 3 gets 4, Mosaic 4 gets 4+2 for each 100 tiles beyond 250). You cannot use points for "Even More Space" seat upgrades, which must be paid in cash or earned as a Mosaic status perk.
How many points do I need to fly for free?
Short domestic routes, like New York to DC, can cost as low as 4,600 points in Blue Basic. Award prices are tied directly to cash prices and are fully dynamic, so the cost varies based on demand and timing. Caribbean routes typically start around 7,100 points.
Can my family members pool TrueBlue points together?
Yes, TrueBlue allows Points Pooling with up to 7 members (friends and family). This is particularly useful for reaching larger award redemptions faster. As of 2026, children ages 12 and under can also have their earned tiles counted toward a linked parent's Mosaic status qualification.
What is the difference between Mosaic elite tiers and what's worth pursuing?
Mosaic has four tiers (1-4) earned through tiles from spending and credit card activity. Mosaic 1 offers priority boarding and free checked bag; Mosaic 2 adds Even More Space at booking; Mosaic 3 adds 4 Move to Mint upgrade certificates and increased bonus points. Mosaic 4 is the only tier with lounge access (JFK and Boston starting 2026) and more upgrade certificates. Family status qualification (new in 2026) makes Mosaic worth pursuing for families with young children.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| Jetblue Ir 2016 | — | Jetblue Ir 2016 |
| Forbes Advisor Review | — | Forbes Advisor Review |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Cobrand | |
| Issuer Page | Issuer Page: Annual fee | |
| Issuer Page | Issuer Page: Status | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Welcome offer | |
| Barclays | Barclays |
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Partner credits at
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