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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
$5
Network
mastercard
Welcome value
$600
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Flights · Miles & More
  • 1×All other purchases · Miles & More

Key benefits

  • Annual Companion Ticket · $400
  • No foreign transaction fees · $0
  • Auto rental collision insurance · $0
  • Two Lufthansa Business Lounge vouchers · $0
  • Miles & More status conversion · $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×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $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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