How to Upgrade Your JetBlue Credit Card? The Definitive Guide

Upgrading your JetBlue credit card can be a smart move if your travel habits or spending patterns have changed since you first applied. Unfortunately, JetBlue and its issuer, Barclays, don’t officially offer direct product changes or “upgrades” in the traditional sense. The most reliable route to a better JetBlue card experience usually involves applying for a new card and strategically managing your existing one. However, there might be other approaches depending on your unique relationship with Barclays and your card’s features.

Navigating the Unofficial Upgrade Path

While a formal upgrade process isn’t readily available, let’s explore potential ways to enhance your JetBlue card experience:

1. The New Application Route: The Most Reliable Option

This is the most straightforward and generally recommended approach. If you currently hold the JetBlue Card (the no-annual-fee version) and aspire to the JetBlue Plus Card (with its enhanced benefits), you can simply apply for the JetBlue Plus Card. Here’s how to make this strategy work:

• Evaluate Your Spending: Before applying, analyze your typical spending habits. Do you spend enough on JetBlue purchases, restaurants, and grocery stores to justify the JetBlue Plus Card’s annual fee? Calculate potential rewards earnings to see if the benefits outweigh the cost.
• Check Your Credit Score: A good to excellent credit score significantly increases your chances of approval. Review your credit report for any errors and address them before applying.
• Prepare Your Application: Gather all necessary information, including your income, employment details, and social security number.
• Apply Online: Visit the Barclays website and complete the application for the JetBlue Plus Card.
• Manage Your Old Card: Once approved for the new card, consider your options for the old JetBlue card. You might choose to keep it open to maintain a longer credit history and potentially benefit from the available credit line. Just be mindful of responsible spending.

2. Keep an Eye Out for Targeted Offers

Barclays sometimes sends targeted offers to existing cardholders. These offers might entice you to upgrade to a different card or receive bonus rewards for increased spending. These offers often arrive via email or within your online account. Regularly check your email and Barclays account for any promotional offers.

3. Direct Communication with Barclays (A Shot in the Dark)

While not guaranteed, you can always contact Barclays customer service directly. Explain your desire to upgrade and inquire about available options. Be polite and professional, highlighting your long-standing relationship with Barclays and your responsible card usage. The chances of success are low, but it’s worth a try. Remember that you may have better luck if you call versus using the chat bot. Be prepared for the agent to tell you they don’t offer upgrades.

4. Focusing on Earning More Points

If upgrading to a card with additional benefits is off the table, consider maximizing the points you earn with your current JetBlue card. Be sure to take advantage of any bonus spending categories your card offers, utilize the TrueBlue Shopping portal, and strategically spend on eligible purchases.

5. Leveraging Balance Transfers (With Caution)

While not a direct upgrade, transferring high-interest balances to your JetBlue card (if you have a promotional offer) can free up funds, allowing you to allocate more spending towards earning JetBlue points. However, carefully consider the balance transfer fees and the interest rate that will apply after the promotional period ends.

Frequently Asked Questions (FAQs)

1. Can I directly upgrade my JetBlue Card to the JetBlue Plus Card?

As of the latest information, Barclays does not offer a direct upgrade path from the JetBlue Card (the no-annual-fee version) to the JetBlue Plus Card or the JetBlue Business Card. The standard approach is to apply for the desired card separately.

2. Will applying for a new JetBlue card affect my credit score?

Yes, applying for a new credit card will generally result in a temporary dip in your credit score. This is due to the hard inquiry on your credit report. However, if you manage your credit responsibly by making timely payments, the impact is usually minimal and temporary.

3. What credit score do I need to get approved for the JetBlue Plus Card?

You’ll typically need a good to excellent credit score to get approved for the JetBlue Plus Card. This generally means a FICO score of 670 or higher.

4. What are the key benefits of the JetBlue Plus Card compared to the basic JetBlue Card?

The JetBlue Plus Card offers several enhanced benefits, including:

• Higher point earnings on JetBlue purchases, restaurants, and grocery stores.
• Free checked bag for you and up to three companions on JetBlue flights.
• 5,000 bonus points upon account anniversary each year.
• A path to Mosaic status by spending $50,000 on purchases each calendar year.
• An annual fee.

5. Is the annual fee of the JetBlue Plus Card worth it?

This depends on your travel habits and spending patterns. Calculate how many JetBlue points you expect to earn and the value of the free checked bag benefit. If the value exceeds the annual fee, it’s likely worth it.

6. Can I cancel my old JetBlue card after getting approved for a new one?

Yes, you can. However, consider the potential impact on your credit score. Closing a credit card can reduce your overall available credit, which can increase your credit utilization ratio (the amount of credit you’re using compared to your total available credit). A higher credit utilization ratio can negatively impact your credit score. If you decide to cancel, do so responsibly after transferring any points or rewards.

7. How do I transfer my TrueBlue points from my old JetBlue card to my new one?

TrueBlue points are tied to your TrueBlue loyalty account, not your credit card. As long as you use the same TrueBlue account number when applying for your new JetBlue card, your points will automatically accumulate in the same account.

8. What if I’m denied for the JetBlue Plus Card?

If your application is denied, review the reason for the denial provided by Barclays. Address any issues, such as errors on your credit report or high credit utilization. You can also try calling Barclays to reconsider your application, especially if you believe there was a misunderstanding.

9. Are there any alternatives to upgrading my JetBlue card?

Yes, consider adding another travel credit card to your wallet that complements your JetBlue card. For instance, a general travel rewards card with flexible redemption options can provide additional benefits and travel perks.

10. How long does it take to get approved for a new JetBlue credit card?

Approval times can vary. Some applications are approved instantly, while others require further review. In general, you can expect to receive a decision within a few days to a few weeks.

11. Does Barclays offer any retention offers to keep me from cancelling my JetBlue card?

It’s possible. Call Barclays and express your intention to cancel your card. They might offer you a retention bonus, such as bonus points or a statement credit, to keep you as a customer. There is no guarantee that you’ll get an offer.

12. Can I upgrade a JetBlue Business Card to a personal JetBlue Card (or vice versa)?

Similar to the personal cards, Barclays typically doesn’t allow direct product changes between business and personal JetBlue cards. You would generally need to apply for the desired card separately.

Upgrading your JetBlue credit card might not be a straightforward process, but by understanding the available options and strategically managing your credit, you can optimize your rewards and benefits.