Chase Sapphire Preferred Card Point Calculator

Card Review & Chase Points Calculators
5X Lyft
2X Travel
2X Dining
25%+ Travel Redemption
Travel & Protection Coverage

Calculate total Ultimate Rewards Points and the cash value of the Chase Sapphire Preferred based on monthly/yearly spend, card benefits, and the annual fee. Compare the results side by side any credit card including the Chase Sapphire Reserve.

The Chase Sapphire Preferred Card is the entry level card for earning Ultimate Rewards Points. While the card offers a great return the first year thanks to the fee being waived, it's the second year onward that you'll have to make sure the card is worth it. If you plan on redeeming Ultimate Rewards Points on the travel portal or you plan on transferring points to airline and hotel partners, you'll want to consider the Chase Sapphire Reserve.

Bonus Categories

The Chase Sapphire Preferred features three bonus categories which are Lyft, travel, and dining purchases. There is no limit to the amount of bonus Ultimate Rewards Points you can earn spending across these three categories and no limit to the amount of Ultimate Rewards Points you can earn with the card in general.

  • 5x Lyft
    • This card and all other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 2x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 2x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

The Chase Sapphire Preferred can be a good option if you plan on transferring points to partners. If you plan on redeeming your points using the Chase Travel Portal, you'll want to consider the Chase Sapphire Reserve as it's a very small window in which the Chase Sapphire Preferred is the better option.

If you pick up the Chase Sapphire Preferred, be sure to pair it with one (or all) of Chase's cash back credit cards since you'll be able to convert cash back into Ultimate Rewards Points. This gives you the ability to earn lots more points and adds greater value to the Ultimate Rewards program.

Perks & Benefits

The Chase Sapphire Preferred features a point boost for redemptions on the Chase Travel Portal along with great travel insurance and purchase protections.

  • 25% Point Value Boost
    • You'll receive a 25% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.25 cents for portal redemptions.
    • The same point boost is offered on the Chase Ink Business Preferred and a higher boost of 50% is offered on the Chase Sapphire Reserve.
  • Insurance and Purchase Protections
    • Trip Cancellation and Interription Insurance
    • Auto Rental Collision Damage Waiver
    • Baggage Delay Insurance
    • Trip Delay Reimbursement
    • Travel and Emergency Assistance Services
    • Purchase Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard signup bonus for the Chase Sapphire Preferred is 60,000 Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months of account opening. For travel redemptions on the Chase Ultimate Rewards Portal, you'll get a cash value of $750. This is the same cash value of the Chase Sapphire Reserve's 50,000-point sign up bonus since points with the Reserve are worth 1.5 cents each when redeemed on the portal.

In terms of transferring points to partners, the Chase Sapphire Preferred would be the better option since you can transfer your Ultimate Rewards Points for 60,000 airline miles or hotel rewards points versus only having 50,000 miles or points.


Annual Fee

The Chase Sapphire Preferred's annual fee is $0 the first year, then $95. As with most cards with a waived annual fee, the first year returns exceptional results. Once the annual fee kicks in the second year though, you'll have to re-evaluate the card to see if the Chase Sapphire Preferred is worth it in the long run (see below).

Authorized User Fee

There are no fees associated with adding an additional user to the Chase Sapphire Preferred Card. This allows you to easily build more points by adding authorized users to your card. I highly recommend doing such if you have friends or family that spends in these categories.

Foreign Transaction Fee

The Chase Sapphire Preferred Card has a 0% foreign transaction fee which makes this a solid choice for anyone looking to earn Ultimate Rewards Points on international purchases/travel.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Reads