Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Barclays Emirates Skywards Premium World Elite Mastercard Chase Sapphire Preferred

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

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: Chase Sapphire Preferred

Barclays

Emirates Skywards Premium World Elite Mastercard

Annual fee
$499
Network
mastercard
Welcome value
$480
Min spend
$3,000 / 3mo

Top earning rates

  • 4×Emirates purchases · Emirates Skywards
  • 3×Airline and hotel · Emirates Skywards
  • 2×Dining · Emirates Skywards
  • 1×All other purchases · Emirates Skywards

Key benefits

  • Global Entry or TSA PreCheck application fee credit · $120
  • Cash + Miles special rate · $0
  • Priority Pass Select lounge access · $0
  • Emirates Skywards Gold status · $0
  • $0 Fraud Liability protection · $0
Full Barclays Emirates Skywards Premium World Elite Mastercard review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred 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.

Get my personal answer