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All comparisons
Head-to-head, 2026

Barclays Wyndham Rewards Earner Plus Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Barclays

Wyndham Rewards Earner Plus

Annual fee
$95
Network
mastercard
Welcome value
—
Min spend
$1,000 / 3mo

Top earning rates

  • 6×Hotels · Wyndham Rewards
  • 4×Wyndham destinations · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Travel · Wyndham Rewards

Key benefits

  • $50 Annual Meal Delivery Services Credit · $25
  • Earn Free Night Every Year · $0
  • Save 15% When You Buy Points · $0
  • No Foreign Transaction Fees · $0
  • Wyndham Diamond status, then Platinum · $0
Full Barclays Wyndham Rewards Earner Plus 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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