Is the JetBlue Business Credit Card Worth It? A Detailed Review

If you're a frequent traveler, especially with JetBlue, you might be curious about whether the JetBlue Business Credit Card is the right choice for your business. This card offers various benefits, including rewards on JetBlue flights, travel perks, and cashback opportunities. However, like any credit card, it comes with its own set of fees, terms, and conditions that you should consider before applying. In this review, well break down the features, pros, and cons of the JetBlue Business Credit Card to help you decide if its a good fit for your travel and business spending needs.

Features of the JetBlue Business Credit Card

The JetBlue Business Credit Card comes with several features that make it stand out from other business credit cards. Here are some of its key features:

1. JetBlue Rewards Program

The JetBlue Business Credit Card has some extensive features and a primary one is in offering of the rewards. This card also provides points for each dollar spent, for flights, hotels and for business expenses as for example, office supplies and utilities. Certain of these point can then be exchanged for JetBlue flights and upgrades.

2. Bonus Points Offer

Every time you apply for the JetBlue Business Credit Card for the first time, one comes across a bonus point that every cardholder is expected to meet a certain spending level within a specified period. That will also assist you in accumulating points and getting direct from the track in achieving your travel objectives.

3. Travel Perks

As a frequent traveler with JetBlue, having this credit card allows you to enjoy various travel perks. These include free checked bags, priority boarding, and in-flight purchase discounts. Plus, with the cards TrueBlue Mosaic status, you can access even more exclusive benefits like waived change and cancellation fees.

4. Cashback Opportunities

Aside from travel rewards, the JetBlue Business Credit Card also offers cashback opportunities on select purchases such as office supplies and advertising expenses. This feature can be especially beneficial for small business owners looking to save money on their everyday business spending.

5. No Foreign Transaction Fees

For business owners who frequently travel internationally, the JetBlue Business Credit Card can be a great option as it does not charge any foreign transaction fees on purchases made outside of the US.

Limitations and Considerations

While the JetBlue Business Credit Card offers attractive features and benefits, there are also some limitations and considerations to keep in mind before applying for this card.

1. Annual Fee

The JetBlue Business Credit Card comes with an annual fee of $99. This may not be a significant expense for larger businesses, but it can add up for small business owners on a tight budget.

2. Limited Redemption Options

While the rewards program offers great opportunities to earn points and redeem them for flights, the options for non-flight redemptions are limited. If you prefer to have more flexibility in how you use your rewards, this may not be the best card for you.

3. Interest Rates

As with any credit card, its important to consider the interest rates associated with the JetBlue Business Credit Card. The APR ranges from 15.99% - 24.99% based on creditworthiness, and if you carry a balance, it can quickly add up and offset the benefits of the rewards program.

4. Business Expenses Only

Unlike some other business credit cards, the JetBlue Business Credit Card is exclusively for business expenses only. This means you cannot use it for personal purchases, which can be limiting for small business owners who may have overlapping expenses.

Comparison with Other Business Credit Cards

When deciding if the JetBlue Business Credit Card is right for you, its essential to compare it with a few other popular business credit cards in the market. Here's a look at how it stacks up against competitors:

1. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is a strong competitor with a focus on flexible rewards. It features a lucrative sign-up bonus, earning up to 100,000 points after meeting the required spend, which can be worth up to $1,250 in travel when redeemed through Chase Ultimate Rewards. However, it has a higher annual fee of $95 compared to JetBlue's $99, and it lacks some of the JetBlue-specific travel perks like free checked bags or priority boarding.

2. American Express Business Gold Card

Another popular option is the American Express Business Gold Card, which offers versatility in earning rewards. It allows cardholders to earn 4X Membership Rewards points on the top two categories where they spend the most each month (up to $150,000 per year), such as airfare, technology purchases, and shipping. While the card shines in its customizable rewards structure, its annual fee of $375 is significantly higher than the JetBlue Business Credit Card.

3. Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is an excellent choice for business owners who travel frequently but dont want to be restricted to one airline. It offers a flat 2X miles on all purchases, making it straightforward and easy to earn rewards without having to track spending categories. Additionally, it provides up to a $100 credit for Global Entry or TSA PreCheck. However, while it offers flexibility in redemption, it doesnt include airline-specific perks like those offered by the JetBlue Business Credit Card, and it has an annual fee of $95 after the first year (waived for the first year).

How to Apply for the JetBlue Business Credit Card

If youve decided that the JetBlue Business Credit Card is the right fit for your business, heres how you can apply:

1. Visit jetbluebusinesscard.com.
2. Click on the Apply Now button.
3. Fill out the application form with your personal and business information.
4. Submit the required documents, such as tax identification number and financial statements (if requested).
5. Review and agree to the terms and conditions.
6. Wait for a decision from Barclaycard, which typically takes 7-10 business days.

Once approved, you should receive your new card within 7-14 business days.

Conclusion

The JetBlue Business Credit Card offers a valuable rewards program, travel perks, and cashback opportunities that can benefit small business owners. However, its important to consider the card's annual fee, limited redemption options, and interest rates before applying. By comparing it with other business credit cards on the market and understanding your business's unique needs, you can make an informed decision about whether this card is right for you. So if you are a frequent flyer with JetBlue and looking for a way to earn rewards and save money on your business expenses, the JetBlue Business Credit Card may be worth considering.