JetBlue Plus Card
vs. Southwest Rapid Rewards® Premier Credit Card

Shield Insurance

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The JetBlue Plus Card and the Southwest Rapid Rewards® Premier Credit Card offer valuable rewards for frequent flyers. The Rapid Rewards Premier is the better choice for most travelers due to its broader airline rewards and lower credit score requirement. It offers three points on Southwest purchases and anniversary points.

However, the JetBlue Plus remains attractive with its six points on JetBlue fares and free checked bags.

Credit Card logo for JetBlue Plus Card
JetBlue Plus Card
Credit Card logo for Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
MoneyGeek Rating
4.4/ of 5
MoneyGeek Rating
4.4/ of 5
On Issuer's Site
On Issuer's Site

Who the JetBlue Plus Is Best For

The JetBlue Plus is a great choice for frequent JetBlue flyers looking to maximize rewards on JetBlue purchases. With six points per dollar on JetBlue fares and a free checked bag, it offers significant value for regular travelers. However, it may not suit those who prefer airlines with a wider range of destinations or who don't fly with JetBlue often.

Who the Rapid Rewards Premier Is Best For

The Rapid Rewards Premier is a better option for travelers who frequently fly with Southwest Airlines and want to earn rewards across various spending categories. It offers three points on Southwest purchases and two points on local transit, commuting and select streaming services. Benefits include anniversary bonus points and an earlier boarding position for selecting preferred seats. However, it may be less valuable for those who don't fly with Southwest often or use its partners.

Head-to-Head Comparison: Card Details and Features

A point-by-point comparison helps you see how each card stacks up in key areas like APRs, fees and rewards. For instance, if you're focused on earning airline rewards, the JetBlue Plus offers six points on JetBlue purchases, while the Rapid Rewards Premier provides three points on Southwest purchases.

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    Regular APR: Rapid Rewards Premier

    The Rapid Rewards Premier has a lower APR range of 20.99%–27.99% than JetBlue Plus' 21.24%–29.99%.

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    Annual Fee: Tie

    Both cards have an annual fee of $99.

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    Introductory 0% APRs: Tie

    Neither card offers an introductory 0% APR on purchases or balance transfers.

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    Rewards: JetBlue Plus

    The JetBlue Plus offers six points on JetBlue purchases compared to Rapid Rewards Premier's three points on Southwest. Also, the JetBlue Plus provides two points on dining and groceries.

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    Welcome Offers: JetBlue Plus

    The JetBlue Plus gives 50,000 bonus points, with a higher return on investment (ROI) of 87%, after spending $1,000 and paying the annual fee within 90 days. The Rapid Rewards Premier offers the same points but with a lower ROI of 70%.

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    Recommended Credit Score: Rapid Rewards Premier

    The Rapid Rewards Premier requires a good to excellent credit score (670–850), while the JetBlue Plus needs an excellent score (740–850).

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    Penalties and Fees: JetBlue Plus

    The JetBlue Plus has no penalty APR, while the Rapid Rewards Premier has a penalty APR of up to 29.99%. Both cards have similar late fees and cash advance fees.

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    Issuer Satisfaction: Rapid Rewards Premier

    Customers report higher satisfaction with Chase Bank, Rapid Rewards Premier's issuer, rating it 4.1 compared to Barclays Bank Delaware’s 3.5, JetBlue Plus' issuer.

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    Card Benefits: Rapid Rewards Premier

    The Rapid Rewards Premier offers higher-value perks like EarlyBird Check-In and Companion Pass points. The JetBlue Plus provides valuable benefits like free checked bags, but its overall expected value is lower.

Rewards Comparison

The JetBlue Plus offers a higher earning rate on airline purchases, making it potentially more rewarding for frequent flyers. JetBlue points are valued at about 1.45 cents, while Southwest points are valued at roughly 1.4 cents. The Rapid Rewards Premier provides solid rewards for Southwest purchases and additional categories like local transit and streaming services.

Below is a table outlining the rewards categories and earning rates for each card, helping you make an informed decision.

Category
JetBlue Plus
Rapid Rewards Premier

JetBlue Purchases

6X points

1X point

Southwest Purchases

1X point

3X points

Dining

2X points

1X point

Groceries

2X points

1X point

Local Transit and Commuting

1X point

2X points

Internet and Cable

1X point

2X points

Streaming Services

1X point

2X points

All Other Purchases

1X point

1X point

Redeeming Rewards

JetBlue Plus points can be redeemed for any seat on JetBlue-operated flights, with the number of points required varying based on the base fare. Points never expire, offering flexibility for future travel. In contrast, Southwest points can be used for airfare, gift cards and more, with no expiration. Southwest's broader redemption options provide more flexibility, especially for those seeking non-flight rewards.

Card Benefits Comparison

The JetBlue Plus offers valuable perks like free checked bags for up to three companions and the ability to earn Mosaic status. The Rapid Rewards Premier provides 6,000-anniversary points and EarlyBird Check-In for Southwest flyers. Both cards have unique benefits, but the Rapid Rewards Premier gives more value to those looking for affordable travel options, especially those who redeem points for value-oriented travel.

JetBlue Plus Perks

Travel Perks

  • Free checked first bags for you and up to three companions on JetBlue flights

Status

  • Earn one tile towards Mosaic for every $1,000 spent

Credits and Discounts

  • $100 statement credit for JetBlue Vacations packages
  • 50% savings on eligible inflight purchases

All Other Perks

  • 10% of your points back when redeeming for JetBlue travel
  • 5,000 bonus points on your account anniversary

Rapid Rewards Premier Perks

Travel Perks

  • Two EarlyBird Check-In each year, allowing earlier boarding and selecting preferred seats
  • 25% back on inflight purchases

Status

  • Unlimited tier qualifying points earned for every $5,000 spent, contributing to A-List status
  • Companion Pass Intro Offer Value, a high-value benefit for frequent travelers who meet the spending requirement

Insurance and Protections

  • Lost luggage reimbursement and baggage delay insurance, offering protection and potential high value in case of travel disruptions

Credits and Discounts

  • DoorDash membership for savings on food delivery, with activation required

All other perks

  • 6,000 anniversary points each year, providing recurring value for frequent travelers

FAQ: Rapid Rewards Premier vs. JetBlue Plus

What are the main differences in rewards between the JetBlue Plus and the Rapid Rewards Premier?
Which card offers better perks for frequent travelers?
What credit score is needed for each card?
Are there any annual fees for these cards?
How do the introductory offers compare?

Methodology

MoneyGeek's scoring process evaluates each card based on multiple use cases, ensuring the scores reflect the cards' strengths. In this comparison, the scores shown represent the best performance of each card in the 'Airline' category. Several factors determine this score:

  • Expected value for travelers: Measures the monetary value of rewards and perks minus the annual fees for frequent travelers.
  • Airline scope: Rates the number of destinations the airline flies to, which helps inform the breadth of travel options for the airline program.
  • Introductory offer ROI value: Assesses the return on investment (ROI) from the card's sign-up bonus.
  • Airline rewards rate for travelers: Evaluates the rewards earned on airline expenditures for frequent travelers.
  • Issuer satisfaction: Based on customer satisfaction ratings from studies like J.D. Power.
  • Foreign transaction fees: Rates the card's fees for international transactions.
  • Recommended credit: Indicates the credit score range required for approval.

For more details on our scoring process, review our ranking methodology.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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