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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Luxury Card Mastercard Gold 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 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

Luxury Card

Mastercard Gold Card

Annual fee
$1,199
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

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

Key benefits

  • Priority Pass Select Membership · $469
  • Annual Airline Credit · $200
  • Global Entry / TSA PreCheck Credit · $120
  • Luxury Card Travel Hotel Credit · $100
  • 24/7 Luxury Card Concierge · $0
Full Luxury Card Mastercard Gold 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