Chase Sapphire Reserve Point Calculator

Card Review & Chase Point Calculator
10X Lyft
3X Travel
3X Dining
$300 Annual Travel Credit
$60 Annual DoorDash Credit
Priority Pass Select
$100 Global Entry/TSA PreCheck Credit
50%+ Travel Redemption
Complimentary Lyft Pink Membership
DoorDash Benefits
Travel/Purchase Protection

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


The Chase Sapphire Reserve is one of the top travel cards on the market. It offers and excellent return on both travel and dining purchases as well as offer superb travel & insurance benefits. The card earns Ultimate Rewards Points which are worth an easy 1.5 cents each, but can be worth as much as 2 cents or more when transferred to Chase's travel partners. Read on to learn more about the great benefits of the Chase Sapphire Reserve card and calculate how many points you can earn based on your spend.

Bonus Categories

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

  • 10x Lyft
    • This is the best earnings you can earn on Lyft spend. I highly recommend using this card if you spend with the particular rideshare service.
    • All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
  • 3x 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
  • 3x 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 50% boost this card receives on travel redemptions made through the Chase Travel Portal means you can earn a minimum 4.5% return across both travel and dining spend and a whopping 15% minimum on Lyft rideshare spend. You have the chance to earn a higher return by transferring your points to Chase's transfer partners.

Chase Freedom Categories
Earn 5% cash back on quarterly rotating categories and exchange it for 5x Ultimate Rewards Points.

One important thing to note is that you can exchange cash back earned with Chase's cash back credit cards into Ultimate Rewards Points at a 1:1 ratio as long as you have at least one Ultimate Rewards Card attached to the same account. This opens up several additional cards, all with no annual fee, that you can use to earn additional points. While I recommend pickup most of the Chase's cash back cards, you'll want to heavily consider picking up the Chase Freedom Unlimited or Chase Ink Business Unlimited for your non-category/miscellenous spend since you'll earn a slightly higher return of 1.5x points.

Perks & Benefits

The Chase Sapphire Reserve is packed to the brim with elite travel perks including annual credits, point boosts, lounge access, and much more.

  • Annual $300 Travel Credit
    • Based on your account anniversary.
    • Triggers on any purchase that Chase considers to be travel.
    • Very easy to use if you travel.
  • 50% Point Value Boost
    • You'll receive a 50% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions.
    • A smaller 25% point boost is offered on the Chase Sapphire Preferred and Chase Ink Business Preferred.
  • Global Entry / TSA PreCheck Credit
    • Only applies to the primary cardholder.
  • Priority Pass Select Membership
  • Lyft Pink Membership
    • One year complimentary membership which offers:
      • 15% off unlimited car rides
      • Priority airport pickups
      • 3 cancel fees waived per month if re-booked within 15 minutes
      • Waived lost and found fees
      • 3 free 30-min. bike or scooter rides per month
      • Seasonal discounts and exclusive savings/offers
    • Membership is normally $19.99 per month which equals $240 in cash value.
  • DoorDash DashPass Membership
    • Two years of complimentary membership which offers:
      • $0 delivery fees from participating restaurants
      • Reduced service fees
    • DashPass normally costs $9.99 per month which equals $120 in cash value.
  • Annual $60 DoorDash Credits
    • Applies to 2020 and 2021.
  • Luxury Hotel and Resort Collection
  • Insurance and Purchase Protections
    • Trip Cancellation and Interruption Insurance
    • Auto Rental Colision Damage Waiver
    • Lost Luggage Reimbursement
    • Trip Delay Reimbursement
    • Emergency Evacuation & Transportation
    • Purchase Protection
    • Return Protection
    • Extended Warranty Protection

If you don't typically use DoorDash or Lyft, you can still get great value out of the Chase Sapphire Reserve if you frequently spend across travel and dining. Pairing this card with Chase's cash back credit cards will also up the value since you'll be able to exchange cash back into Ultimate Rewards Points worth up to an easy 1.5 cents each.

Useful Calculators: There's lots of credit cards that offer points across the travel and dining categories. You can use the following calculators to find out which cards are best based on your spend:

Sign Up Bonus (SUB)

The Chase Sapphire Reserve has a standard sign up bonus of 50,000 Ultimate Rewards Points after spending $4,000 on the card within the first 3 months of account opening. This is worth $750 in travel purchased through the Chase Travel Portal. You can also transfer Chase Points to airline and hotel partners for an easy 50,000 airline miles or hotel points which can possibility give you more than $750 in value.

Fees

Annual Fee

The Chase Sapphire Reserve has an annual fee of $550 per year which is around the normal now for premium/luxury travel cards. Since the Chase Sapphire Reserve has an annual travel credit of $300, you're looking at a total of $250 per year.

If you use Lyft and/or DoorDash, there should be no question in the amount of value you can pull from this card. The Lyft Pink membership, superb 10x earnings on Lyft spend, DoorDash membership, and $60 in annual DoorDash benefits has a greater cash value than $250.

If you don't use Lyft and DoorDash, you'll need to run some decent spend through the card and it will really depend on how much you value Ultimate Rewards Points and the cash value you get out of the Priority Pass and the Global Entry/TSA PreCheck benefits. In most cases, the Chase Sapphire Reserve will still be the better option than the Chase Sapphire Preferred if you typically redeem points through the Chase Travel Portal for the extra point boost. If you typically transfer Chase Points to partners, the Chase Sapphire Preferred could be a better option depending on how much you spend across the bonus categories.

Authorized User Fee

The Chase Sapphire Reserve authorized user fee is $75 for each additional user. While authorized users of the Chase Sapphire Reserve will not receive as many benefits as authorized users on the American Express Platinum and Business Platinum, the ability to earn more Ultimate Rewards Points is always a plus. I recommend adding friends and family as authorizes users only if they can spend enough to earn the points to cover the fee.

Foreign Transaction Fee

The Chase Sapphire Reserve has a 0% foreign transaction fee which makes it a superb option for anyone looking to earn Ultimate Rewards Points on spending and travel outside of the United States. This is one of the top cards you'll want in your wallet if you plan on traveling internationally.

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.
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Family Cards
These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
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.
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
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.
$0
Total Return
The percent you are earning per dollar spent on this card.

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