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All comparisons
Head-to-head, 2026

Barclays Emirates Skywards Rewards 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 Rewards World Elite Mastercard

Annual fee
$99
Network
mastercard
Welcome value
$400
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Emirates purchases · Emirates Skywards
  • 2×Dining · Emirates Skywards
  • 2×Travel · Emirates Skywards
  • 1×All other purchases · Emirates Skywards

Key benefits

  • Complimentary FICO Credit Score Access · $0
  • $0 Fraud Liability · $0
  • No Skywards Miles Expiration · $0
  • No Foreign Transaction Fees · $0
  • 25% Discount on Buy Miles and Gift Miles · $0
Full Barclays Emirates Skywards Rewards World Elite Mastercard review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$750
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

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.

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