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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Select 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 IHG One Rewards Premier Select

Chase

IHG One Rewards Premier Select

Annual fee
$350
Network
mastercard
Welcome value
~$2,000
Min spend
$5,000 / 3mo

Top earning rates

  • 12×IHG Hotels & Resorts
  • 6×Dining and all other travel, including rideshare
  • 3×All other purchases

Key benefits

  • No benefits on file
Full Chase IHG One Rewards Premier Select 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
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Extended Warranty · $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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