Bilt Blue vs JetBlue Premier
Side-by-side comparison
| Bilt Blue | JetBlue Premier | |
|---|---|---|
| Annual fee | No annual fee | $499 |
| Welcome offer | $100 in Bilt Cash on account opening | |
| 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 Premier 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 Premier charges $499, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bilt Blue delivers more total value, about $477 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 Premier stays locked to a single airline or hotel program. Favor the Bilt Blue if you will use travel transfers, the JetBlue Premier if you want simplicity. On the sign-up bonus, the JetBlue Premier currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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 Premier if your spending leans toward dining, groceries.