First-year winner
JetBlue Plus Card
$591 Year 1 edge
$1,075 vs $484
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
JetBlue Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
JetBlue Travel Perks
Other · No listed cash value
JetBlue co-brand cards are centered on TrueBlue value, airline savings, and cardholder-only travel perks on eligible itineraries.
Perk
In-Flight Savings
Other · No listed cash value
JetBlue cardholders commonly get airline-linked savings or bonus value on eligible in-flight purchases and JetBlue bookings.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Card B
JetBlue Plus Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
JetBlue Travel Perks
Other · No listed cash value
JetBlue co-brand cards are centered on TrueBlue value, airline savings, and cardholder-only travel perks on eligible itineraries.
Perk
In-Flight Savings
Other · No listed cash value
JetBlue cardholders commonly get airline-linked savings or bonus value on eligible in-flight purchases and JetBlue bookings.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
JetBlue Plus wins year 1. JetBlue wins long term.
Winner after year 1
JetBlue Card
$9 ongoing edge
$484 vs $475
Long-term breakeven: the higher-reward option needs roughly $32,076 per year in this spend mix to overcome the fee and benefit gap.
Barclays
JetBlue Card
Year One
$484
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$484
Annual rewards + counted benefits - fee
Annual Rewards
$484
1.66% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • No standout edge under the current assumptions.
Watch for
- • Foreign transaction fees make it weaker for international spend.
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Barclays
JetBlue Plus Card
Year One
$1,075
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$475
Annual rewards + counted benefits - fee
Annual Rewards
$574
1.97% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2x
$5,400
JetBlue
$108
2.00%
JetBlue Plus
$108
2.00%
Groceries
2x
$7,800
JetBlue
$156
2.00%
JetBlue Plus
$156
2.00%
Travel
3x
$3,000
JetBlue
$90
3.00%
JetBlue Plus
$180
6.00%
Gas
1x
$1,920
JetBlue
$19
1.00%
JetBlue Plus
$19
1.00%
General
1x
$11,040
JetBlue
$110
1.00%
JetBlue Plus
$110
1.00%
Total annual spend
$29,160 across this mix
JetBlue$484
JetBlue Plus$574
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | JetBlue Card | JetBlue Plus Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | $99 |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Dining rewards | 2x | 2x |
| Groceries rewards | 2x | 2x |
| Travel rewards | 3x 3x points on eligible JetBlue purchases. | 6x 6x points on eligible JetBlue purchases. |
| All rewards | 1x | 1x |
| Offer | ||
| Welcome offer | — | 60,000 bonus points Spend $1,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | JetBlue Travel Perks · In-Flight Savings · No Annual Fee · +1 more | JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | mastercard | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
JetBlue Card
Free
JetBlue Plus Card
$99
Foreign transaction fee
JetBlue Card
3%
JetBlue Plus Card
None
Rewards
Dining rewards
JetBlue Card
2x
JetBlue Plus Card
2x
Groceries rewards
JetBlue Card
2x
JetBlue Plus Card
2x
Travel rewards
JetBlue Card
3x
3x points on eligible JetBlue purchases.
JetBlue Plus Card
6x
6x points on eligible JetBlue purchases.
All rewards
JetBlue Card
1x
JetBlue Plus Card
1x
Offer
Welcome offer
JetBlue Card
—
JetBlue Plus Card
60,000 bonus points
Spend $1,000 in 3 mo
Benefits
Estimated benefits
JetBlue Card
4 listed
JetBlue Plus Card
4 listed
Benefit highlights
JetBlue Card
JetBlue Travel Perks · In-Flight Savings · No Annual Fee · +1 more
JetBlue Plus Card
JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more
Profile
Credit needed
JetBlue Card
Good
JetBlue Plus Card
Good
Network
JetBlue Card
mastercard
JetBlue Plus Card
mastercard
Reward type
JetBlue Card
Points
JetBlue Plus Card
Points