diff --git a/flask_jwt_extended/config.py b/flask_jwt_extended/config.py
index 9089b91f..11b16537 100644
--- a/flask_jwt_extended/config.py
+++ b/flask_jwt_extended/config.py
@@ -135,8 +135,8 @@ def refresh_json_key(self) -> str:
         return current_app.config["JWT_REFRESH_JSON_KEY"]
 
     @property
-    def csrf_protect(self) -> bool:
-        return self.jwt_in_cookies and current_app.config["JWT_COOKIE_CSRF_PROTECT"]
+    def cookie_csrf_protect(self) -> bool:
+        return current_app.config["JWT_COOKIE_CSRF_PROTECT"]
 
     @property
     def csrf_request_methods(self) -> Iterable[str]:
diff --git a/flask_jwt_extended/jwt_manager.py b/flask_jwt_extended/jwt_manager.py
index dfe45e0b..2bc00771 100644
--- a/flask_jwt_extended/jwt_manager.py
+++ b/flask_jwt_extended/jwt_manager.py
@@ -516,7 +516,7 @@ def _encode_jwt_from_config(
             algorithm=config.algorithm,
             audience=config.encode_audience,
             claim_overrides=claim_overrides,
-            csrf=config.csrf_protect,
+            csrf=config.cookie_csrf_protect,
             expires_delta=expires_delta,
             fresh=fresh,
             header_overrides=header_overrides,
diff --git a/flask_jwt_extended/utils.py b/flask_jwt_extended/utils.py
index 39ef65b6..8ddd2750 100644
--- a/flask_jwt_extended/utils.py
+++ b/flask_jwt_extended/utils.py
@@ -305,7 +305,7 @@ def set_access_cookies(
         samesite=config.cookie_samesite,
     )
 
-    if config.csrf_protect and config.csrf_in_cookies:
+    if config.cookie_csrf_protect and config.csrf_in_cookies:
         response.set_cookie(
             config.access_csrf_cookie_name,
             value=get_csrf_token(encoded_access_token),
@@ -358,7 +358,7 @@ def set_refresh_cookies(
         samesite=config.cookie_samesite,
     )
 
-    if config.csrf_protect and config.csrf_in_cookies:
+    if config.cookie_csrf_protect and config.csrf_in_cookies:
         response.set_cookie(
             config.refresh_csrf_cookie_name,
             value=get_csrf_token(encoded_refresh_token),
@@ -408,7 +408,7 @@ def unset_access_cookies(response: Response, domain: Optional[str] = None) -> No
         samesite=config.cookie_samesite,
     )
 
-    if config.csrf_protect and config.csrf_in_cookies:
+    if config.cookie_csrf_protect and config.csrf_in_cookies:
         response.set_cookie(
             config.access_csrf_cookie_name,
             value="",
@@ -446,7 +446,7 @@ def unset_refresh_cookies(response: Response, domain: Optional[str] = None) -> N
         samesite=config.cookie_samesite,
     )
 
-    if config.csrf_protect and config.csrf_in_cookies:
+    if config.cookie_csrf_protect and config.csrf_in_cookies:
         response.set_cookie(
             config.refresh_csrf_cookie_name,
             value="",
diff --git a/flask_jwt_extended/view_decorators.py b/flask_jwt_extended/view_decorators.py
index b39a9395..407bea4d 100644
--- a/flask_jwt_extended/view_decorators.py
+++ b/flask_jwt_extended/view_decorators.py
@@ -244,7 +244,7 @@ def _decode_jwt_from_cookies(refresh: bool) -> Tuple[str, Optional[str]]:
     if not encoded_token:
         raise NoAuthorizationError('Missing cookie "{}"'.format(cookie_key))
 
-    if config.csrf_protect and request.method in config.csrf_request_methods:
+    if config.cookie_csrf_protect and request.method in config.csrf_request_methods:
         csrf_value = request.headers.get(csrf_header_key, None)
         if not csrf_value and config.csrf_check_form:
             csrf_value = request.form.get(csrf_field_key, None)
diff --git a/tests/test_config.py b/tests/test_config.py
index 514d619e..f38bcfc4 100644
--- a/tests/test_config.py
+++ b/tests/test_config.py
@@ -51,7 +51,7 @@ def test_default_configs(app):
         assert config.json_key == "access_token"
         assert config.refresh_json_key == "refresh_token"
 
-        assert config.csrf_protect is False
+        assert config.cookie_csrf_protect is True
         assert config.csrf_request_methods == ["POST", "PUT", "PATCH", "DELETE"]
         assert config.csrf_in_cookies is True
         assert config.access_csrf_cookie_name == "csrf_access_token"
@@ -142,7 +142,7 @@ def test_override_configs(app, delta_func):
         assert config.session_cookie is False
         assert config.cookie_samesite == "Strict"
 
-        assert config.csrf_protect is True
+        assert config.cookie_csrf_protect is True
         assert config.csrf_request_methods == ["GET"]
         assert config.csrf_in_cookies is False
         assert config.access_csrf_cookie_name == "access_csrf_cookie"
@@ -333,17 +333,11 @@ def test_jwt_token_locations_config(app):
 
 def test_csrf_protect_config(app):
     with app.test_request_context():
-        app.config["JWT_TOKEN_LOCATION"] = ["headers"]
         app.config["JWT_COOKIE_CSRF_PROTECT"] = True
-        assert config.csrf_protect is False
+        assert config.cookie_csrf_protect is True
 
-        app.config["JWT_TOKEN_LOCATION"] = ["cookies"]
-        app.config["JWT_COOKIE_CSRF_PROTECT"] = True
-        assert config.csrf_protect is True
-
-        app.config["JWT_TOKEN_LOCATION"] = ["cookies"]
         app.config["JWT_COOKIE_CSRF_PROTECT"] = False
-        assert config.csrf_protect is False
+        assert config.cookie_csrf_protect is False
 
 
 def test_missing_algorithm_in_decode_algorithms(app):