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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 Plus

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 Reserve

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

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
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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