First-year winner
Chase Sapphire Preferred Card
$196 Year 1 edge
$1,271 vs $1,075
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
Chase Sapphire Preferred Card
Counted benefits
$30
Credits
$30
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$50 Annual Hotel Credit
Travel Credits · Listed $50/yr
Receive up to $50 in statement credits each account anniversary year for eligible hotel stays booked through Chase Travel.
Perk
DashPass Membership
Other · No listed cash value
Cardholders can receive a complimentary DashPass membership window with DoorDash benefits.
Perk
DoorDash Monthly Promo
Other · No listed cash value
Eligible cardholders can receive a monthly DoorDash promotional benefit during the active program window.
Perk
10% Anniversary Points Boost
Other · No listed cash value
Each account anniversary, you can receive bonus points equal to 10% of the total purchases made during the prior year.
Perk
Trip Cancellation and Interruption Insurance
Travel Insurance · No listed cash value
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Perk
Trip Delay Reimbursement
Travel Insurance · No listed cash value
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
Perk
Baggage Delay Insurance
Travel Insurance · No listed cash value
Can reimburse essential purchases when baggage is delayed on a covered trip.
Perk
Primary Auto Rental Coverage
Rental Car · No listed cash value
Can provide primary coverage for theft and collision damage on eligible rental cars.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
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
Chase Sapphire Preferred wins year 1 and long term.
Winner after year 1
Chase Sapphire Preferred Card
$46 ongoing edge
$521 vs $475
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
Chase Sapphire Preferred Card
Year One
$1,271
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$521
Annual rewards + counted benefits - fee
Annual Rewards
$586
2.01% effective return
Welcome Offer
$750
Current listed first-year bonus value
Credits + Perks
$30
$30 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
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.
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
3x
$5,400
Chase Sapphire Preferred
$162
3.00%
JetBlue Plus
$108
2.00%
Groceries
3x
$7,800
Chase Sapphire Preferred
$234
3.00%
JetBlue Plus
$156
2.00%
Travel
2x
$3,000
Chase Sapphire Preferred
$60
2.00%
JetBlue Plus
$180
6.00%
Gas
1x
$1,920
Chase Sapphire Preferred
$19
1.00%
JetBlue Plus
$19
1.00%
General
1x
$11,040
Chase Sapphire Preferred
$110
1.00%
JetBlue Plus
$110
1.00%
Total annual spend
$29,160 across this mix
Chase Sapphire Preferred$586
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 | Chase Sapphire Preferred Card | JetBlue Plus Card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | $99 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 3x 3X points on dining at restaurants, including eligible delivery services, takeout, and dining out. | 2x |
| Groceries rewards | 3x 3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs. | 2x |
| Streaming rewards | 3x 3X points on select streaming services. | — |
| Travel rewards | 5x 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. | 6x 6x points on eligible JetBlue purchases. |
| All rewards | 1x | 1x |
| Offer | ||
| Welcome offer | 75,000 bonus points Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | 60,000 bonus points Spend $1,000 in 3 mo |
| Benefits | ||
| Estimated benefits | ~$50/yr | 4 listed |
| Benefit highlights | $50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more | JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
Chase Sapphire Preferred Card
$95
JetBlue Plus Card
$99
Foreign transaction fee
Chase Sapphire Preferred Card
None
JetBlue Plus Card
None
Rewards
Dining rewards
Chase Sapphire Preferred Card
3x
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out.
JetBlue Plus Card
2x
Groceries rewards
Chase Sapphire Preferred Card
3x
3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs.
JetBlue Plus Card
2x
Streaming rewards
Chase Sapphire Preferred Card
3x
3X points on select streaming services.
JetBlue Plus Card
—
Travel rewards
Chase Sapphire Preferred Card
5x
5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.
JetBlue Plus Card
6x
6x points on eligible JetBlue purchases.
All rewards
Chase Sapphire Preferred Card
1x
JetBlue Plus Card
1x
Offer
Welcome offer
Chase Sapphire Preferred Card
75,000 bonus points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
JetBlue Plus Card
60,000 bonus points
Spend $1,000 in 3 mo
Benefits
Estimated benefits
Chase Sapphire Preferred Card
~$50/yr
JetBlue Plus Card
4 listed
Benefit highlights
Chase Sapphire Preferred Card
$50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more
JetBlue Plus Card
JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more
Profile
Credit needed
Chase Sapphire Preferred Card
Good
JetBlue Plus Card
Good
Network
Chase Sapphire Preferred Card
visa
JetBlue Plus Card
mastercard
Reward type
Chase Sapphire Preferred Card
Points
JetBlue Plus Card
Points