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Head-to-head, 2026

Chase IHG One Rewards Premier 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 PremierBigger welcome offer: Chase Sapphire Reserve

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
~$1,400
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Hotels participating in IHG One Rewards
  • 5×Travel, dining, and at gas stations
  • 3×All other purchases

Key benefits

  • Anniversary Free Night · $200
  • Fourth Reward Night Free · $200
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • DoorDash Non-Restaurant Discount · $10
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier 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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