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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Luxury Card Mastercard Titanium 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
~$1,538
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases · Ultimate Rewards
  • 5×Peloton equipment and accessory purchases over $150 · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 3×Online groceries · Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $180
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash non-restaurant discount · $10
Full Chase Sapphire Preferred review

Luxury Card

Mastercard Titanium Card

Annual fee
$299
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Concierge Service · $250
  • Lyft Monthly Credit · $5
  • Peacock Monthly Discount · $3
  • Mastercard ID Theft Protection · $0
Full Luxury Card Mastercard Titanium 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