Bilt Blue vs JetBlue Plus
Side-by-side comparison
| Bilt Blue | JetBlue Plus | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | $100 in Bilt Cash on account opening | 70,000 bonus points after $1,000 in 90 days |
| Dining | 1x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $310 | $382 |
| Points type | Transfers to airlines & hotels | Locked to JetBlue TrueBlue |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Bilt Blue earns about $310 a year in rewards and the JetBlue Plus about $382, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The JetBlue Plus charges $99, but carries about $100 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bilt Blue delivers more total value, about $27 a year more for a typical spender, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Bilt Blue earns points you can move to travel partners for outsized value, while the JetBlue Plus stays locked to a single airline or hotel program. Favor the Bilt Blue if you will use travel transfers, the JetBlue Plus if you want simplicity. On the sign-up bonus, the JetBlue Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Blue if your spending leans toward travel. Pick the JetBlue Plus if your spending leans toward dining, groceries.