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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred HSBC Premier World Mastercard

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

Bigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

HSBC

Premier World Mastercard

Annual fee
$95
Network
mastercard
Welcome value
$625
Min spend
$4,000 / 3mo

Top earning rates

  • 2×travel · HSBC Reward Points
  • 1×all other purchases · HSBC Reward Points

Key benefits

  • 3x Points on Gas and Groceries · $252
  • Rewards for Miles Transfer · $200
  • 1x Points on All Other Purchases · $136
  • Cellular Wireless Telephone Protection · $100
  • Agoda Hotel Discount · $100
Full HSBC Premier World Mastercard 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.

Get my personal answer