First-year winner
JetBlue Plus Card
$555 Year 1 edge
$1,075 vs $520
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
Southwest Rapid Rewards Plus Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Southwest Anniversary Value
Other · No listed cash value
Southwest cards are centered on Rapid Rewards value through anniversary points, flight-related perks, or other airline-program benefits.
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 and long term.
Winner after year 1
JetBlue Plus Card
$155 ongoing edge
$475 vs $320
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
Southwest Rapid Rewards Plus Credit Card
Year One
$520
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$320
Annual rewards + counted benefits - fee
Annual Rewards
$419
1.44% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$3,000
3 mo window · $1,000/mo pace · Comfortable
Why it wins
- • No standout edge under the current assumptions.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • Foreign transaction fees make it weaker for international spend.
- • 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
1x
$5,400
Southwest Rapid Rewards Plus
$54
1.00%
JetBlue Plus
$108
2.00%
Groceries
2x
$7,800
Southwest Rapid Rewards Plus
$156
2.00%
JetBlue Plus
$156
2.00%
Travel
2x
$3,000
Southwest Rapid Rewards Plus
$60
2.00%
JetBlue Plus
$180
6.00%
Gas
2x
$1,920
Southwest Rapid Rewards Plus
$38
2.00%
JetBlue Plus
$19
1.00%
General
1x
$11,040
Southwest Rapid Rewards Plus
$110
1.00%
JetBlue Plus
$110
1.00%
Total annual spend
$29,160 across this mix
Southwest Rapid Rewards Plus$419
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 | Southwest Rapid Rewards Plus Credit Card | JetBlue Plus Card |
|---|---|---|
| Costs | ||
| Annual fee | $99 | $99 |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Dining rewards | — | 2x |
| Gas rewards | 2x 2X points on the first $5,000 in combined gas and grocery purchases each year. | — |
| Groceries rewards | 2x 2X points on the first $5,000 in combined gas and grocery purchases each year. | 2x |
| Travel rewards | 2x 2X points on Southwest purchases. | 6x 6x points on eligible JetBlue purchases. |
| All rewards | — | 1x |
| Offer | ||
| Welcome offer | 20,000 bonus points plus promotional Companion Pass Spend $3,000 in 3 mo | 60,000 bonus points Spend $1,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 2 listed | 4 listed |
| Benefit highlights | Southwest Anniversary Value · Travel Rewards Ecosystem | JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
Southwest Rapid Rewards Plus Credit Card
$99
JetBlue Plus Card
$99
Foreign transaction fee
Southwest Rapid Rewards Plus Credit Card
3%
JetBlue Plus Card
None
Rewards
Dining rewards
Southwest Rapid Rewards Plus Credit Card
—
JetBlue Plus Card
2x
Gas rewards
Southwest Rapid Rewards Plus Credit Card
2x
2X points on the first $5,000 in combined gas and grocery purchases each year.
JetBlue Plus Card
—
Groceries rewards
Southwest Rapid Rewards Plus Credit Card
2x
2X points on the first $5,000 in combined gas and grocery purchases each year.
JetBlue Plus Card
2x
Travel rewards
Southwest Rapid Rewards Plus Credit Card
2x
2X points on Southwest purchases.
JetBlue Plus Card
6x
6x points on eligible JetBlue purchases.
All rewards
Southwest Rapid Rewards Plus Credit Card
—
JetBlue Plus Card
1x
Offer
Welcome offer
Southwest Rapid Rewards Plus Credit Card
20,000 bonus points plus promotional Companion Pass
Spend $3,000 in 3 mo
JetBlue Plus Card
60,000 bonus points
Spend $1,000 in 3 mo
Benefits
Estimated benefits
Southwest Rapid Rewards Plus Credit Card
2 listed
JetBlue Plus Card
4 listed
Benefit highlights
Southwest Rapid Rewards Plus Credit Card
Southwest Anniversary Value · Travel Rewards Ecosystem
JetBlue Plus Card
JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more
Profile
Credit needed
Southwest Rapid Rewards Plus Credit Card
Good
JetBlue Plus Card
Good
Network
Southwest Rapid Rewards Plus Credit Card
—
JetBlue Plus Card
mastercard
Reward type
Southwest Rapid Rewards Plus Credit Card
Points
JetBlue Plus Card
Points