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Head-to-head, 2026

Barclays JetBlue Plus Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Barclays JetBlue Plus

Barclays

JetBlue Plus

Annual fee
$99
Network
mastercard
Welcome value
—
Min spend
$1,000 / 3mo

Top earning rates

  • 6×JetBlue purchases · JetBlue TrueBlue
  • 2×Dining · JetBlue TrueBlue
  • 2×Grocery stores · JetBlue TrueBlue
  • 1×All other purchases · JetBlue TrueBlue

Key benefits

  • Free first checked bag · $140
  • JetBlue Vacations statement credit · $100
  • 5,000-point anniversary bonus · $0
  • Earn toward Mosaic with purchases · $0
  • No foreign transaction fees · $0
Full Barclays JetBlue Plus review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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