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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Luxury Card Mastercard Black Card

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

Lower annual fee: 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

Luxury Card

Mastercard Black Card

Annual fee
$699
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×airfare · Luxury Card Rewards
  • 2×hotels · Luxury Card Rewards
  • 1×all other purchases · Luxury Card Rewards

Key benefits

  • Priority Pass Select Membership · $469
  • Global Entry / TSA PreCheck Credit · $120
  • Annual Airline Credit · $100
  • Luxury Card Travel Hotel Credit · $100
  • 24/7 Luxury Card Concierge · $0
Full Luxury Card Mastercard Black 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.

Get my personal answer