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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve HSBC Premier World Mastercard

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

Lower annual fee: HSBC Premier World MastercardBigger welcome offer: Chase Sapphire Reserve

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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.

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