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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve 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: Luxury Card Mastercard Titanium Card

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 · Ultimate Rewards
  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards

Key benefits

  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $500 credit for stays with The Edit · $500
  • Annual Travel Credit · $300
  • $250 Credit for The Shops at Chase (Spend Tier) · $250
  • $250 Credit for select Chase Travel Hotels · $250
Full Chase Sapphire Reserve 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.

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