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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Robinhood Robinhood Gold Card

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

Lower annual fee: Robinhood Robinhood Gold 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
  • 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

Robinhood

Robinhood Gold Card

Annual fee
$0
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 4×Qualifying dining purchase
  • 3×Eligible Purchases

Key benefits

  • 6-Month DoorDash DashPass Trial · $10
  • Trip Cancellation and Interruption Insurance · $0
  • Purchase Security · $0
  • Travel and Emergency Assistance Services · $0
  • Extended Warranty · $0
Full Robinhood Robinhood 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.

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