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Head-to-head, 2026

Barclays Emirates Skywards Premium World Elite Mastercard 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 Emirates Skywards Premium World Elite MastercardBigger welcome offer: Chase Sapphire Reserve

Barclays

Emirates Skywards Premium World Elite Mastercard

Annual fee
$499
Network
mastercard
Welcome value
~$600
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Eligible Emirates purchases · Emirates Skywards
  • 2×Eligible travel purchases · Emirates Skywards
  • 1×All other purchases · Emirates Skywards

Key benefits

  • Global Entry or TSA PreCheck application fee credit · $120
  • Cash + Miles special rate · $0
  • No Foreign Transaction Fees · $0
  • Emirates Skywards Silver Tier Status · $0
  • Emirates Skywards Gold Tier Membership (Spend Tier) · $0
Full Barclays Emirates Skywards Premium World Elite Mastercard review

Chase

Sapphire Reserve

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

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $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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