Credit card showdown: JetBlue Plus Card versus JetBlue Business Card

Dec 6, 2020

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JetBlue gives consumers three great co-branded credit card options to use to maximize their travels with the airline as well as their everyday purchases. The no-fee JetBlue Card is a good product for those just looking to earn JetBlue TrueBlue points at a steady rate 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. Today, we’re going to take a detailed look at both cards and see how they differ.

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(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

In This Post

Main benefits and features

Let’s start with a handy snapshot of the two cards’ (very similar) benefits and features side by side.

JetBlue Plus Card JetBlue Business Card
Annual fee $99 $99
Welcome bonus Up to 100K points – 50K after you spend $1K and pay the annual fee in the first 90 days plus another 50K after spending a total of $6K in the first 12 months Up to 100K points – 50K after you spend $1K and pay the annual fee in the first 90 days plus another 50K after spending a total of $6K in the first 12 months
Earning rates
  • 6x on JetBlue purchases
  • 2x at restaurants and grocery stores
  • 1x everything else
  • 6x on JetBlue purchases
  • 2x at restaurants and office supply stores
  • 1x everything else
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% off inflight food and beverages
  • Spend $50K, get Mosaic status
  • 10% redeemed points back
  • Free checked bags
  • 50% off inflight food and beverages
  • Spend $50K, get Mosaic status
  • 10% redeemed points back
Other benefits
  • No foreign exchange fees
  • World Elite Mastercard perks and travel protections
  • No foreign exchange fees
  • Primary rental car insurance

The information for the 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.

Annual fee

There’s no difference here. Both cards charge an annual fee of $99, which is not waived the first year.

Winner: Tie.

Sign-up bonus

At the moment, the JetBlue Plus Card and the JetBlue Business Card are offering new cardholders a best-ever sign-up bonus of up to 100,000 points. With both cards, you’ll earn 50,000 points after spending $1,000 in the first 90 days and paying the annual fee, plus an additional 50,000 points after spending a total of $6,000 on purchases within the first 12 months. These bonuses are worth a whopping $1,300 based on TPG valuations.

Related: How to maximize 100,000 JetBlue TrueBlue points

Winner: Tie

Earning categories

Now for the first major difference. The two cards have very similar earning structures, though their bonus categories vary.

The JetBlue Plus Card earns 6x points per dollar on JetBlue purchases. It accrues 2x per dollar at restaurants and grocery stores and 1x on everything else.

The JetBlue Business Card also earns 6x on JetBlue purchases, but it racks up 2x at restaurants and office supply stores and 1x on everything else.

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

Image by Parinda Yatha / EyeEm / Getty Images.
The JetBlue Plus Card has supermarkets as one of its bonus categories. (Parinda Yatha/EyeEm/Getty Images)

JetBlue benefits

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

They also enjoy 50% savings in the form of statement credits when purchasing inflight meals, beer, wine and cocktails on JetBlue flights. There’s no Wi-Fi discount — but that’s because JetBlue offers its FlyFi product for free.

With either the JetBlue Plus Card or the JetBlue Business Card, members who spend $50,000 or more on purchases in a calendar year receive TrueBlue Mosaic elite status good for the rest of the current calendar year and the following one. This includes time- and money-saving benefits such as waived change and cancellation fees, additional free checked bags, priority check-in, security and boarding, and the ability to redeem points for Even More Space seats, among other perks.

Finally, both cards refund members 10% of their redeemed points, which can amount to huge savings depending on how many TrueBlue awards you redeem each year.

Winner: Tie.

Either card will help you earn points for Mint redemptions faster. (Photo by Benji Stawski/The Points Guy)

Annual benefits

Both the JetBlue Plus Card and the JetBlue Business Card field two identical annual benefits for cardholders to take advantage of.

Cardholders receive 5,000 bonus points (worth about $65) after their account anniversary and the payment of their annual fee each year. They are also eligible for up to $100 off a JetBlue Vacations package once per calendar year.

Winner: Tie.

Other benefits

Both cards waive foreign transaction fees. However, they have very different non-airline benefits because the JetBlue Plus Card is a World Elite Mastercard, while the JetBlue Business Card is a business Mastercard.

As World Elite Mastercard holders, those with the JetBlue Plus Card are eligible for a $10 Lyft credit after taking five or more rides each month. World Elite Mastercards also offer 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.

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.

Its purchase protection against loss or theft maxes out at $1,000 per claim and $50,000 per account and covers purchases up to 90 days out.

For its part, the JetBlue Business Card 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. Though it lacks many of the travel protections of the JetBlue Plus Card, the JetBlue Business Card offers primary car rental insurance, so that could be useful to some frequent renters.

Winner: JetBlue Plus Card. This is another category where the winner depends on what type of purchases you’re making with the card, but for most people, the JetBlue Plus Card’s benefits will be more valuable.

Image by Pornchai Jaito / EyeEm / Getty Images
As a World Elite Mastercard, the JetBlue Plus Card offers cell phone protection. (Pornchai Jaito/EyeEm/Getty Images)

Personal versus business credit cards

Think about whether you would get more value from carrying a personal or business credit card. Even if you do not own your own business, you can usually still qualify for a business credit card since issuers know employees and freelancers also require them.

Business credit cards are useful on several levels, including making it easier to separate your personal and work purchases. The activity on them generally does not have a big impact on your personal credit score. Plus, they usually do not count toward banks’ limits on the numbers of credit cards they will let any one person carry, such as Chase’s 5/24 rule, or Bank of America’s rules. So applying for one could be a good way to keep on earning bonuses and rewards.

Which one should you choose?

The JetBlue Plus Card and the JetBlue Business Card are both great airline cards that can help TrueBlue members rack up points for free travel (and possibly Mosaic status) even faster. Their day-of-travel perks like free checked bags and inflight discounts are also a big selling point for frequent flyers.

When deciding between the two, think about whether a personal or business credit card suits your points strategy better, and which card’s bonus categories will be more lucrative for your typical spending habits. You might also want to consider whether you will have more use for the personal card’s travel protections and general everyday benefits or the business version’s rental car insurance and purchase protection.

Read our full review of the JetBlue Plus Card here.

Read our review of the JetBlue Business Card here.

Eric Rosen contributed to this story.

Featured image by Leonard Zhukovsky/Shutterstock.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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