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Head-to-head, 2026

Barclays Wyndham Rewards Earner Plus 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 PlusBigger welcome offer: Chase Sapphire Reserve

Barclays

Wyndham Rewards Earner Plus

Annual fee
$75
Network
mastercard
Welcome value
$450
Min spend
$1,000 / 3mo

Top earning rates

  • 6×Wyndham purchases · Wyndham Rewards
  • 6×Gas · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Grocery stores · Wyndham Rewards

Key benefits

  • 4x points on Dining and Grocery · $269
  • 6x points on Wyndham and Gas · $227
  • Wyndham Rewards Platinum Status · $150
  • Caesars Rewards Status Match · $100
  • 7,500 Anniversary Bonus Points · $75
Full Barclays Wyndham Rewards Earner Plus 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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