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© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Chase Sapphire Reserve vs Icelandair Mastercard® — Full Comparison (2026)

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Chase Sapphire Reserve vs Icelandair Mastercard®

Chase Sapphire Reserve vs Icelandair Mastercard®

A detailed side-by-side comparison to help you choose the right card for your spending.

Chase Sapphire Reserve

Chase Sapphire Reserve

Chase

Icelandair Mastercard®

First National Bank of Omaha

Annual Fee

$795

$0

Welcome Bonus

125,000 Flex point

5,000 points

Base Earn Rate

1X

0.5X

Top Earn Categories

8X Travel

4X Hotels

4X Flights

3X Dining

2X Icelandair

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

—

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

—

The Bottom Line

The Icelandair Mastercard® has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

For everyday spending, the Chase Sapphire Reserve earns more with its 1X base rate.

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Icelandair Mastercard® — Full Review All First National Bank of Omaha Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Chase Sapphire Reserve vs Icelandair Mastercard®

Chase Sapphire Reserve vs Icelandair Mastercard®

A detailed side-by-side comparison to help you choose the right card for your spending.

Chase Sapphire Reserve

Chase Sapphire Reserve

Chase

Icelandair Mastercard®

First National Bank of Omaha

Annual Fee

$795

$0

Welcome Bonus

125,000 Flex point

5,000 points

Base Earn Rate

1X

0.5X

Top Earn Categories

8X Travel

4X Hotels

4X Flights

3X Dining

2X Icelandair

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

—

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

—

The Bottom Line

The Icelandair Mastercard® has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

For everyday spending, the Chase Sapphire Reserve earns more with its 1X base rate.

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Icelandair Mastercard® — Full Review All First National Bank of Omaha Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Chase Sapphire Reserve vs Icelandair Mastercard®

Chase Sapphire Reserve vs Icelandair Mastercard®

A detailed side-by-side comparison to help you choose the right card for your spending.

Chase Sapphire Reserve

Chase Sapphire Reserve

Chase

Icelandair Mastercard®

First National Bank of Omaha

Annual Fee

$795

$0

Welcome Bonus

125,000 Flex point

5,000 points

Base Earn Rate

1X

0.5X

Top Earn Categories

8X Travel

4X Hotels

4X Flights

3X Dining

2X Icelandair

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

—

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

—

The Bottom Line

The Icelandair Mastercard® has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

For everyday spending, the Chase Sapphire Reserve earns more with its 1X base rate.

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Icelandair Mastercard® — Full Review All First National Bank of Omaha Cards

Browse all comparisons →Browse all card categories →