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Head-to-head, 2026

Barclays Frontier Airlines 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 Frontier Airlines

Barclays

Frontier Airlines

Annual fee
$99
Network
mastercard
Welcome value
—
Min spend
$500 / 3mo

Top earning rates

  • 5×Frontier Airlines purchases · FRONTIER Miles
  • 3×Restaurants · FRONTIER Miles
  • 1×All other purchases · FRONTIER Miles

Key benefits

  • Two Free Checked Bags · $140
  • $100 Flight Voucher (Spend Tier) · $100
  • Instant Elite Gold Status · $0
  • Miles Never Expire · $0
  • No Foreign Transaction Fees · $0
Full Barclays Frontier Airlines 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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