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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve 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: Luxury Card Mastercard Black Card

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve 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

  • Luxury Card Travel Hotel Benefits · $750
  • Luxury Card Concierge · $250
  • $200 Annual Airline Credit · $200
  • Global Entry or TSA PreCheck Application Credit · $120
  • $100 Annual Dining Credit · $100
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.

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