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Head-to-head, 2026

Barclays Wyndham Rewards Earner Premier 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 Premier Card

Barclays

Wyndham Rewards Earner Premier Card

Annual fee
$395
Network
mastercard
Welcome value
—
Min spend
$6,750 / 6mo

Top earning rates

  • 8×Eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles. · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Grocery stores · Wyndham Rewards
  • 4×Travel · Wyndham Rewards

Key benefits

  • Global Entry or TSA PreCheck application fee credit · $120
  • $100 Annual Streaming Credit · $100
  • $100 Annual Credit for Eligible Hotel Purchases · $100
  • Complimentary Wyndham Rewards Insider Subscription ($95/Year Value) · $95
  • $65 Annual Wholesale Statement Credit · $65
Full Barclays Wyndham Rewards Earner Premier Card 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 · Ultimate Rewards
  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • Annual Travel Credit · $300
  • $250 Credit for select Chase Travel Hotels · $250
  • $250 Credit for The Shops at Chase (Spend Tier) · $250
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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