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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Citi AAdvantage Executive

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

Lower annual fee: Citi AAdvantage Executive

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

Citi

AAdvantage Executive

Annual fee
$595
Network
mastercard
Welcome value
—
Min spend
$15,000 / 5mo

Top earning rates

  • 12×Eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
  • 5×Eligible American Airlines purchases
  • 4×Eligible American Airlines purchases
  • 1×All other purchases

Key benefits

  • First checked bag free · $140
  • Avis and Budget prepaid rental credit · $120
  • Global Entry or TSA PreCheck application fee credit · $120
  • Monthly Grubhub statement credit · $10
  • Monthly Lyft credit · $10
Full Citi AAdvantage Executive 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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