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Head-to-head, 2026

Barclays AAdvantage Aviator Red 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 AAdvantage Aviator RedBigger welcome offer: Chase Sapphire Reserve

Barclays

AAdvantage Aviator Red

Annual fee
$99
Network
mastercard
Welcome value
$900
Min spend
$1 / 3mo

Top earning rates

  • 2×Eligible American Airlines purchases · American Airlines AAdvantage
  • 1×All other purchases · American Airlines AAdvantage

Key benefits

  • Preferred boarding · $0
  • 25% inflight food and beverage savings · $0
  • No foreign transaction fee · $0
Full Barclays AAdvantage Aviator Red 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 over $150
  • 8×Chase Travel purchases
  • 5×Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Coverage · $75000
  • Trip Cancellation and Interruption Insurance · $10000
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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