All comparisons
Head-to-head, 2026
Chase Aeroplan 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: Chase Aeroplan
Chase
Aeroplan
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- $20,000 / 12mo
Top earning rates
- 3×Purchases made with Air Canada directly
- 3×Grocery stores; dining at restaurants including takeout and eligible delivery services
- 1×All other purchases
Key benefits
- Aeroplan Global +1 benefit (Spend Tier) · $500
- Free first checked bag · $140
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- Aeroplan Priority Reward voucher (Spend Tier) · $0
- Aeroplan Priority Reward voucher — $250,000 tier (Spend Tier) · $0
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
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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