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Head-to-head, 2026

Barclays Hawaiian Airlines® World Elite Business 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 Hawaiian Airlines® World Elite Business Mastercard®Bigger welcome offer: Chase Sapphire Reserve

Barclays

Hawaiian Airlines® World Elite Business Mastercard®

Annual fee
$99
Network
mastercard
Welcome value
~$500
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Airfare · Atmos Rewards
  • 2×Office supplies · Atmos Rewards
  • 2×Gas · Atmos Rewards
  • 2×Dining · Atmos Rewards

Key benefits

  • No Foreign Transaction Fees · $0
  • Atmos™ Rewards Dining · $0
  • Status Points Toward Atmos Rewards Status · $0
  • Huaka‘i by Hawaiian Fare Deals · $0
  • Annual Spend Bonus Atmos Rewards Points (Spend Tier) · $0
Full Barclays Hawaiian Airlines® World Elite Business Mastercard® review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150 · Ultimate Rewards
  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • Annual Travel Credit · $300
  • $250 Credit for select Chase Travel Hotels · $250
  • $250 Credit for The Shops at Chase (Spend Tier) · $250
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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