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Head-to-head, 2026

Barclays Wyndham Rewards Earner Business Card 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 Wyndham Rewards Earner Business CardBigger welcome offer: Chase Sapphire Reserve

Barclays

Wyndham Rewards Earner Business Card

Annual fee
$95
Network
mastercard
Welcome value
$800
Min spend
$2,000 / 3mo

Top earning rates

  • 8×hotels · Wyndham Rewards
  • 8×gas · Wyndham Rewards
  • 5×advertising · Wyndham Rewards
  • 5×utilities · Wyndham Rewards

Key benefits

  • 5x points on Marketing/Ads/Utilities · $500
  • 8x points on Gas and Wyndham Stays · $384
  • Automatic Diamond Elite Status · $300
  • 15,000 Anniversary Bonus Points · $150
  • 10% Redemptions Discount · $100
Full Barclays Wyndham Rewards Earner Business Card review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
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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