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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
~$840
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 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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