Chase Sapphire Reserve vs JetBlue Plus | Point Calculator

Chase Sapphire Reserve vs JetBlue Plus

Comparison Calculator

Get a side-by-side comparison of the Chase Sapphire Reserve vs JetBlue Plus, calculate how many JetBlue Points you can earn with both cards, and compare.

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The Chase Sapphire Reserve is a premium travel card that is part of the Ultimate Rewards Program. The card itself offers a great return on travel & dining spend, top notch travel benefits, and other perks that frequent travelers will enjoy. Points earned with the Chase Sapphire Reserve can also be transferred to your JetBlue TrueBlue account.

The JetBlue Plus Card is a Barclays credit card that offers the highest earning rate of 6x on JetBlue purchases. It also offers plenty of very useful benefits for those who spend and fly with JetBlue which includes free checked bags, annual points and credits, point rebates, and the ability to spend your way to JetBlue Mosaic Status which is their highest and only tier in the TrueBlue Program.

Follow along as I break down the bonus categories, benefits, standard sign up bonus, and fees of both cards. You'll then be able to calculate the cash value of both cards based on spend and how much you value the perks on both cards to see which card offers you the best for your $1.

Bonus Categories

Chase Sapphire Reserve

The Chase Sapphire Reserve Card earns 3 Ultimate Rewards Points per $1 spent on travel and dining purchases. Chase has a very broad definition of travel which covers a lot of sub categories such as hotels, airlines, car rentals, travel agencies, and more. Do note that gas purchases does not fall under travel for Chase. In terms of dining, this would be everything you would expect it to be which includes fast food, fine dining establishments, and food delivery services. When Ultimate Rewards Points are transferred to JetBlue, this is equal to earning 3 JetBlue Plus per $1 on travel and dining purchases.

The Chase Sapphire Reserve also earns 10 Ultimate Rewards Points per $1 spent on rides with Lyft. This is a significant return that is fantastic for anyone that uses Lyft. If you use Lyft, this is a card you'll want in your wallet. When Ultimate Rewards Points are transferred to JetBlue, this will be equal to earning 10 JetBlue Points per $1 spent on Lyft purchases.

All other purchases on the Chase Sapphire Reserve will earn you 1 Ultimate Rewards Point per $1 spent. You can pair this card with the Chase Freedom Unlimited or Chase Ink Business Unlimited to earn a higher return of 1.5x per $1.

JetBlue Plus Card

The JetBlue Plus Card earns 6 JetBlue Points per $1 spent on JetBlue Airways purchases. This ties the JetBlue Business Card for the highest amount of points you can earn on JetBlue purchases per $1 spent. If you're looking to earn the most JetBlue Points, you'll want to pick up this or the business JetBlue card.

The JetBlue Plus Card earns 2 JetBlue Points per $1 spent on restaurant and grocery store purchases. This is a relatively low return that can be improved upon with cards from transfer partners. Chase does not offer any credit cards that continuously offer points on restaurant and grocery purchases, but American Express offers several and AMEX points transfer to JetBlue as well.

All other purchases made on the JetBlue Plus Card will earn you 1 JetBlue Point per $1 spent. This is a low return that can improved upon by using Chase's Chase Freedom Unlimited or Chase Ink Business Unlimited for a 1.5x return when combined with an Ultimate Rewards Point earning card.

Useful Cards: Earn a solid return on JetBlue Points across grocery & dining with the AMEX Gold Card or earn across grocery & gas station with the AMEX Everyday Preferred.
Chase Sapphire Reserve Bonus Categories
10x Lyft
3x Travel
3x Dining
1x Everything Else
JetBlue Plus Bonus Categories
6x JetBlue
2x Grocery
2x Restaurant
1x Everything Else

Transferring Points

Chase Ultimate Rewards Points can be transferred to JetBlue TrueBlue Points at a 1:1 ratio. This means 1 Chase Ultimate Rewards Point will equal 1 JetBlue TrueBlue Point. Ultimate Rewards Points also transfers to several other airlines as well as a few hotel loyalty programs. You can use the Chase Point Transfer Calculator below to calculate the transfer of points to Chase's transfer partners.

I recommend reading up on transferring Ultimate Rewards Points. You should also check out JetBlue's Transfer Partners since several other programs allow you to transfer points to your JetBlue account such as American Express Membership Rewards, Citi ThankYou Points, and Marriott Bonvoy Points.

Card Benefits

Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium travel card so it comes with a lot of benefits that are useful for those travels several times a year. If you're not one to travel more than a few times per year, this card may not offer the best bang for you buck.

Annual Travel Credit

The primary and most important benefit on the card is the $300 travel credit that you will receive every anniversary year. This credit is easily usable and cuts the fee of the net fee of the card down to $250 (or $150 if you're paying the old annual fee). Any purchases that fall under the category of 'travel' will trigger this credit. That goes for airfare, hotels, car rentals, tolls, parking charges, and anything else that you would expect to trigger as travel.

Point Value Boost

The other leading benefit of this card is the 50% boost to point value when you redeem your points on the Chase Travel Portal. This allows you to earn at least a 4.5% return when spending in the travel and dining categories. While you can get usually get a better return transferring points to Chase's airline and hotel partners, redeeming your points on the Chase Travel Portal is still a great option.

Insurance & Protections

The another great benefit of wielding the Chase Sapphire Reserve is the trip protection/insurance and purchase protection the card comes with when you use it to make purchases. The Reserve is packed with:

  • Trip Cancellation/Interruption Insurance
  • Auto Rental Collision Damage Waiver
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Emergency Evacuation & Transportation
  • Purchase Protection
  • Return Protection
  • Extended Warranty Protection

Most Chase credit cards comes with great protections and insurance, but the Chase Sapphire Reserve offers the best of the best.

Global Entry / TSA PreCheck

The Chase Sapphire Reserve comes with a Global Entry or TSA PreCheck credit. This is a common benefit found on many premium travel cards as well as a few non-premium cards like the Capital One Venture Card. TSA PreCheck normally costs $85 while Global Entry costs $100 and comes with TSA PreCheck. If you already have either of these benefits, do note that you can gift this benefit to someone else by using your Reserve to pay for their application. This credit is trigger by the application fee and is not specific to the cardholder.

Priority Pass

Another perk that the Chase Sapphire Reserve offer that is important to lots of people is Priority Pass Select membership. This grants lounge access worldwide as well as entry/credits to some restaurants as well. This benefit is very useful for those who don't have high-tier elite status with frequent flyer programs that cannot normally enter lounges free of charge. I find this benefit to be worth even more if you fly internationally and need/want lounge access.

Lyft & DoorDash

Chase Sapphire Reserve cardholders, as of January 2020, will receive Lyft and DoorDash benefits. You will receive a complimentary year of Lyft Pink Membership which would normally cost $19.99 per month. This grants various benefits with Lyft which includes:

  • 15% off unlimited car rides
  • Priority airport pickups
  • 3 cancel fees waived per month if re-booked within 15 minutes
  • Waived lost and found fees
  • 3 free 30-min. bike or scooter rides per month
  • Seasonal discounts and exclusive savings/offers

For DoorDash, you will receive two complimentary years of DoorDash DashPass membership which gives you $0 delivery fees from participating restaurants and reduced service fees. This membership will normally costs $9.99 per month. You will also receive $60 in DoorDash credits during the years of 2020 and 2021.

doordash benefits
This can be useful for anyone that uses DoorDash on a regular.

JetBlue Plus Card

The JetBlue Plus Card comes a nice amount of benefits for those flying JetBlue Airways. If you fly JetBlue Airways more than a few times per year, you'll want to have this card. Even if you fly JetBlue once or twice a year, benefits such as the Free Checked Bag perks can still make the card worth grabbing up.

Free Checked Bags

When you use your JetBlue Plus Card to pay for your JetBlue flight, your first check bag will be free. Up to three companions traveling on the same reservation with you will get their bags checked for free as well. This benefit alone can save hundreds of dollars which makes it a great option for anyone that does not already receive free bags from having JetBlue Mosaic Status.

Spend To Mosaic

Speaking of status, the JetBlue Plus Card allows you to spend your way to complimentary JetBlue Mosaic Status by running $50,000 or more through the card. Yes, that is a lot of spend, BUT Mosaic status comes with a lot of benefits that could be well worth it if you're a dedicated JetBlue traveler. Additional free checked bags, waived fees, early boarding, free beverage, and more.

JetBlue Vacation Credit

You will receive an annual $100 statement credit when you use your JetBlue Plus Card to pay for a JetBlue Vacation package. JetBlue offers some pretty solid savings on vacation packages so I'd consider glancing at them from time to time when putting together your next vacation.

Savings In-Flight

When you use your JetBlue Plus Card to purchase cocktails and foods onboard your flight, you will receive a 50% off in the form of a statement credit. Most credit cards only offer 20%-25% off in-flight purchases.

Annual Bonus Points

Every year that you hold the JetBlue Plus Card, you will receive 5,000 JetBlue Points which is worth around $65 on average. This is a nice bonus that helps to cut down the annual fee of the card.

Point Rebates On Redemptions

When you use redeem your JetBlue Points on an award flights with JetBlue, you will receive 10% of your points back. This means you if you used 30,000 JetBlue Points for a free flight, you would get 3,000 of those points back and thus have only spent 27,000 JetBlue Points. This benefit helps bump up the value of JetBlue Points.

Chase Sapphire Reserve Benefits
$300 Annual Travel Credit
50% Point Value Boost
DoorDash DashPass (2 yrs)
DoorDash $60 Credit
Lyft Pink Membership (1 yr)
Travel Insurance/Protection
Purchase Insurance/Protection
Global Entry/TSA PreCheck Credit
Priority Pass
Luxury Hotel and Resort Collection
JetBlue Plus Card Benefits
Free Checked Bags
Spend To Mosaic
$100 Annual JetBlue Vacation Credit
50% Off In-Flight Purchases
5,000 Annual Bonus Points
10% Point Rebate On Redemptions

Sign Up Bonus

Chase Sapphire Reserve

The Chase Sapphire Reserve features a standard sign up bonus of 50,000 Ultimate Rewards Points after spending $4,000 on the card within the first 3 months of account opening. When redeemed on the Chase Travel Portal, this is worth $750. Other redemptions will typically get you value of $500 or less.

These points can also be transferred to Chase's airline and hotel partners which would give you 50,000 airline miles or 50,000 hotel points. The value of transferring points will vary, but you can easily get upwards of $1,000 or more in value going this route.

JetBlue Plus Card

The standard sign up bonus for the JetBlue Plus Card is 40,000 Bonus Points after spending $1,000 on purchases in the first 90 days and payment of the annual fee. At a value of around 1.3 cents per point, 40,000 JetBlue Points will be worth around $520 when used for award flights or JetBlue Vacations.

Chase Sapphire Reserve Sign Up Bonus
Bonus 50,000
Spend Requirement
Within First 3 Months
Est. Value $500-$750+
JetBlue Plus Sign Up Bonus
Bonus 40,000
Spend Requirement
Within First 3 Months
Est. Value $280-$520

Credit Card Fees

Chase Sapphire Reserve

Annual Fee

The Chase Sapphire Reserve has an annual fee of $550 per year. This matches the annual fee of the AMEX Platinum and AMEX Business Platinum cards which are also premium travel cards. The Citi Prestige Card still sits at $450 annually.

The Chase Sapphire Reserve offers a lot of benefits. Once you factor in the $300 travel credit, you're looking at a net fee of $250. If you redeem points at 1.5 cents each, you'll be able to break even with the $250 fee by only spending $463 per month between travel and dining. If you plan on transferring your points to airline and hotel partners to obtain values higher than 1.5 cents, this card will have even more value. Personally, I believe the benefits of this card far exceeds the net fee of $250, but you'll want to run the calculations to make sure it's worth it to you.

Authorized Users

The Chase Sapphire Reserve has an authorized user fee of $75 per additional users. Your authorized users will not get as many benefits as authorized users of AMEX's Platinum cards, but they will have the ability to help you earn more Ultimate Rewards Points as well as receive some of the card benefits such as trip insurance/protection, purchase protection, access to the Luxury Hotel & Resort Collection, and more. Based on spend alone and at a rate of 1.5 cents per point, your authorized users would need to spend $139 per month between dining and travel to make up for the $75 fee it costs you to add them.

Foreign Transaction Fee

The Chase Sapphire Reserve has a foreign transaction fee of 0%. This means you can earn 3x points on travel and dining purchases worldwide which makes the Reserve one of the top travel cards for those traveling internationally.

JetBlue Plus Card

Annual Fee

The JetBlue Plus Card has an annual fee of $99 which is about the norm for entry level airline credit cards. The 6,000 bonus points offered on this card annually help to cut away some of this fee, but what matters most is the free checked bag. A checked bag on JetBlue will cost you $30. This means a round-trip flight for one would be a total of $60 in checked bag fees. Take two trips or take someone with you round-trip and you're looking at $120 in fees. See where I'm going? It only takes a few trips to make this card worth it if you're paying for checked bags.

Authorized User Fee

There is no fee to add authorized users to the JetBlue Plus Card. If you're looking to earn more JetBlue Plus or you're trying to spend your way to Mosaic Status, adding additional members is a great way to go.

Foreign Transaction Fee

The JetBlue Plus Card does not have a foreign transaction fee which means you can use the card internationally without worry. Since the card doesn't really feature any useful international travel categories, you will not get too much out of using this card worldwide. You're better off spending on JetBlue's partner credit cards and transferring those earned points to your JetBlue account.

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Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category for both cards. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

Reminder: Don't forget that Ultimate Rewards Points can be transferred to JetBlue Points. You can click on View Rewards As... in the calculator below and switch the earnings on the Reserve Card to reflect JetBlue TrueBlue Points.
Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
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This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
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Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
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Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Similar Cards

Listed below are rewards credit cards that are similar to the two credit cards compared on this page. You can click on a card to learn about the bonus categories, perks & benefits, sign up bonus, and fees of the card as well as calculate how many rewards you can earn.

Cards Similar To Chase Sapphire Reserve
Wells Fargo Propel AMEX 3% travel (includes gas), dining, streaming services Earns Go Far Rewards
AMEX Green Card 3% travel, dining Earns Membership Rewards Points
Citi ThankYou Premier 3x travel, gas; 2x dining, entertainment Earns ThankYou Points
Cards Similar To JetBlue Plus Card
JetBlue Business Card 6x JetBlue; 2x dining, office supply stores Earns JetBlue Points
JetBlue Card 3x JetBlue; No Annual Fee Earns JetBlue Points

Recent News/Articles

Page Last Updated: 2020-01-18
Written By: Robert Flowers III

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