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Head-to-head, 2026

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

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 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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