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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
$300
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Emirates purchases · Emirates Skywards
  • 2×dining · Emirates Skywards
  • 2×travel · Emirates Skywards
  • 1×all other purchases · Emirates Skywards

Key benefits

  • Emirates Skywards Silver Status (First Year and Spend Tier) (Spend Tier) · $250
  • 1x Skywards Miles on Base Spend · $150
  • 25% Discount on Miles Plus Cash Bookings · $100
  • ShopRunner Membership · $79
  • 3x Skywards Miles on Emirates Purchases · $60
Full Barclays Emirates Skywards Rewards World Elite Mastercard review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
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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