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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
$700
Min spend
$3,000 / 3mo

Top earning rates

  • 2×airline tickets · Miles & More
  • 1×all other purchases · Miles & More

Key benefits

  • Annual Companion Ticket · $300
  • 1x Miles on All Other Purchases · $220
  • Status Management Miles Boost · $100
  • Two Lufthansa Business Lounge Vouchers · $70
  • 2x Miles on Partner Airlines · $60
Full Barclays Miles & More 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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