JetBlue Plus Card versus JetBlue Business Card: Battle of the $99 cards – The Points Guy

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JetBlue gives consumers three great cobranded credit card options to maximize their travels with the airline and their everyday purchases. The no-fee JetBlue Card is a good product for those looking to earn JetBlue TrueBlue points steadily without committing to an expensive credit card.

However, for those willing to pay a $99 annual fee, both the JetBlue Plus Card and the JetBlue Business Card are great alternatives that rack up points quickly and offer impressive day-of-travel perks to boot.

As you might expect, many benefits of the JetBlue Plus Card and JetBlue Business Card overlap. We’re going to take a detailed look at both cards and see how they differ.

The information for the JetBlue, JetBlue Plus and JetBlue Business cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

JetBlue Plus Card vs. JetBlue Business Card comparison

JetBlue Plus Card JetBlue Business Card
Annual fee $99 $99
Welcome bonus Earn 50,000 points after you spend $1,000 and pay the annual fee in the first 90 days Up to 60,000 points — 50,000 points after you spend $4,000 in the first 90 days, plus another 10,000 points when a purchase is made on an employee card in the first 90 days
Earning rates 6 points per dollar on JetBlue purchases

2 points per dollar at restaurants and grocery stores

1 point per dollar on all other purchases

6 points per dollar on JetBlue purchases

2 points per dollar at restaurants and office supply stores

1 point per dollar on all other purchases

Annual benefits 5,000 bonus points

$100 statement credit on JetBlue Vacations package

5,000 bonus points

$100 statement credit on JetBlue Vacations package

JetBlue benefits Free checked bags

50% discount on inflight food and beverages

Receive 10% of redeemed points back

Points Payback allows you to redeem points for a statement credit of up to $1,000 annually

Free checked bags

50% discount on inflight food and beverages

Receive 10% of redeemed points back

Group A boarding on JetBlue-operated flights

Other benefits No foreign exchange fees

World Elite Mastercard perks and travel protections

No foreign exchange fees

Primary rental car insurance

JetBlue Plus vs. JetBlue Business welcome offer

Currently, the JetBlue Plus Card is offering 50,000 bonus points after spending $1,000 in the first 90 days of card opening and paying the annual fee in full. Although not the highest offer we have seen on this card, the sign-up bonus is still worth $700, based on TPG valuations.

JETBLUE

On the other hand, the Jetblue Business Card offers a slightly higher sign-up bonus of 60,000 points — 50,000 after you spend $4,000 in the first 90 days, along with another 10,000 points when a purchase is made on an employee card during the first 90 days. According to TPG valuations, the sign-up bonus is worth $840, giving it a lead over the JetBlue Plus.

Related: How to maximize 100,000 JetBlue TrueBlue points

Winner: JetBlue Business Card. The additional 10,000 bonus points give this card the edge.

JetBlue Plus vs. JetBlue Business benefits

Both cards offer an impressive slate of benefits when traveling on the airline. Both the JetBlue Plus and JetBlue Business offer a free checked bag for themselves and up to three companions on the same reservation when they use their card to book a JetBlue-operated flight.

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Cardmembers of both also enjoy 50% savings in the form of statement credits when making inflight purchases, a refund of 10% of redeemed points each year, 5,000 bonus points (worth $70) after the account anniversary and payment of the annual fee, and up to $100 off a JetBlue Vacations package once per calendar year. Both cards also offer no foreign transaction fees, so you can use your card at international destinations served by Jetblue without racking up additional costs.

Where the two cards differ is that the JetBlue Plus allows cardholders to redeem points for a statement credit, up to $1,000 annually, through the Points Payback benefit. In contrast, cardholders of the Jetblue Business get Group A boarding on JetBlue-operated flights.

The JetBlue Plus Card includes a few other travel protections that the business version does not. It will cover trip delays up to $300 per trip twice per 12-month period if your flight is delayed more than six hours. Its baggage-delay coverage is up to $100 per day for three days starting at 12 hours. It also offers trip cancellation and interruption protection up to $5,000 per trip or $10,000 per 12-month period.

SEAN CUDAHY/THE POINTS GUY

As a World Elite Mastercard holder, those with the JetBlue Plus are eligible for a $5 Lyft credit once per month after taking three or more rides each month and receive cellphone protection against loss or damage. There is a $50 deductible per claim and a maximum benefit of $800 per claim or $1,000 per 12-month period.

For its part, the JetBlue Business offers purchase protection for damage or theft up to 90 days out and as much as $10,000 per claim and $50,000 per account per 12-month period, so this is the card to make your big purchases with. Primary car rental insurance is also an added benefit that could be useful to frequent renters.

Winner: JetBlue Business. Group A boarding and comprehensive travel and purchase protections give this card the lead.

Earning points with the JetBlue Plus vs. JetBlue Business

The two cards have very similar earning structures, though their bonus categories vary.

Both cards earn 6 points per dollar on JetBlue purchases, 2 points per dollar at restaurants, and 1 point per dollar on most other purchases.

Image by Parinda Yatha / EyeEm / Getty Images.
YATHA/EYEEM/GETTY IMAGES

Where they differ is that the Plus earns 2 points per dollar spent at grocery stores, whereas the business version earns 2 points per dollar spent at office supply stores.

Winner: Tie. Which card wins out will depend on whether you spend more on groceries or at office supply stores each year.

Redeeming points with the JetBlue Plus vs. JetBlue Business

Points earned on either credit card are accumulated in a member’s TrueBlue account.

Points can be redeemed on JetBlue-operated flights, and although JetBlue has several airline partners you can earn points through, TrueBlue members can only redeem their points with Hawaiian Airlines and Qatar Airways.

There are no blackout dates with the TrueBlue program; however, award ticket prices are dynamic, which means they vary from flight to flight and are relative to the cash price of a ticket.

You’ll get 10% of your points back as a bonus after you redeem for and travel on a JetBlue-operated award flight.

ZACH GRIFF/THE POINTS GUY

Aside from redeeming points for flights, cardmembers can also redeem them for vacation getaways and merchandise. One of the best redemptions would be for JetBlue Mint business-class seats; however, prices vary based on route and dates.

TPG contributor Ryan Patterson compared JetBlue point redemptions and found them to be fairly linked with the cash price, such as 13,900 TrueBlue points from Seattle to Boston when the cash price was around $209.

Winner: Tie. Both cards offer the same redemption options.

Should I get the JetBlue Plus or JetBlue Business?

Consider whether you would get more value from a personal or business credit card. Even if you do not own a business, you can usually still qualify for a business credit card since issuers know employees and freelancers also require them. The business card offers slightly better benefits than the personal card.

Bottom line

JetBlue offers a great flight network around the U.S., Mexico, the Caribbean, and select European destinations. Aside from the similar benefits found on each card, determine which card will be better based on your spending and travel habits before deciding.

JetBlue cards are a great addition to any wallet, and you can snag valuable redemption deals through the TrueBlue program, especially for Mint business-class seats.

To learn more, read our full reviews of the JetBlue Plus and Business cards.

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