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All comparisons
Head-to-head, 2026

Barclays Miles & More 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: Barclays Miles & More World Elite MastercardBigger welcome offer: Chase Sapphire Preferred

Barclays

Miles & More World Elite Mastercard

Annual fee
$89
Network
mastercard
Welcome value
~$910
Min spend
$4,000 / 3mo

Top earning rates

  • 2×Tickets purchased directly from eligible Miles & More integrated airline partners
  • 1×All other purchases · Miles & More

Key benefits

  • Two Lufthansa Business Lounge vouchers · $0
  • Miles & More status conversion · $0
  • No Foreign Transaction Fees · $0
  • Annual Companion Ticket · $0
Full Barclays Miles & More World Elite Mastercard review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
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
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $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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