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All comparisons
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
$400
Min spend
$1,000 / 3mo

Top earning rates

  • 6×Hotel · Wyndham Rewards
  • 6×Gas · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Groceries · Wyndham Rewards

Key benefits

  • Wyndham Diamond status, then Platinum · $0
  • National Emerald Club Executive status · $0
  • Cardmember booking discount · $0
  • Points Payback statement-credit redemption · $0
  • No foreign transaction fees · $0
Full Barclays Wyndham Rewards Earner Plus review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
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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