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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
$400
Min spend
$3,000 / 3mo

Top earning rates

  • 4×Emirates purchases · Emirates Skywards
  • 3×airline and hotel purchases · Emirates Skywards
  • 2×dining · Emirates Skywards
  • 1×all other purchases · Emirates Skywards

Key benefits

  • Emirates Skywards Gold Status · $500
  • Priority Pass Select Membership · $250
  • 1x Miles on all other purchases · $200
  • 10,000 Anniversary Bonus Miles (Spend Tier) · $120
  • Global Entry or TSA PreCheck Credit · $100
Full Barclays Emirates Skywards Premium World Elite Mastercard review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
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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