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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Gemini Gemini Credit Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Gemini Gemini Credit Card

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$1,538
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Gemini

Gemini Credit Card

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 3×Dining
  • 2×Groceries
  • 1×All other purchases

Key benefits

  • Instant crypto reward deposits · $0
  • Instant digital card access · $0
  • No foreign transaction fees · $0
  • Choice of 50+ crypto reward currencies · $0
Full Gemini Gemini Credit Card 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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