Chase Points Calculator: Chase Sapphire Preferred

The Chase Sapphire Preferred earns 2X points on travel and dining purchases. Review benefits, calculate rewards, and compare results against top cards.

The Chase Sapphire Preferred® earns 2 Ultimate Rewards Points per $1 spent on travel and dining purchases and 1 point per $1 on all other purchases.

It offers a 25% boost to point value on travel purchases through Chase Ultimate Rewards and comes with fantastic travel insurance and coverage.

The Chase Sapphire Preferred is labeled as one of the best entry level credit cards if you're new to earning rewards points. It's also great for those who know how to transfer rewards to partners to maximize the value of Ultimate Rewards Points.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Chase Sapphire Preferred has two bonus categories that earns bonus Ultimate Rewards Points. Those categories are travel and dining. There is no cap on the amount of bonus points you can earn spending in either category and no limit to the amount of points you can earn with the card overall.

  • 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

Lyft Partnership

As part of the Chase-Lyft partnership, the Chase Sapphire Preferred also earns bonus Ultimate Rewards Points on Lyft purchases until March 2022.

  • 5x Lyft
    • All Chase Ultimate Rewards and cash back credit cards earn on Lyft spend.
    • The Chase Sapphire Reserve earns the highest at 10x.

Perks & Benefits

The Chase Sapphire Preferred offers a boost in point value for travel redemptions made through Chase Ultimate Rewards. The card also comes with great travel protection.

Have you opened more than 5 new accounts in the last 24 months? If so, it may be hard to get approved for a Chase credit card. If you're unsure, you can check using Credit Karma for free without hurting your credit.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
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If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
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The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Value:
Return:
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Value:
Return:
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

FAQ

What are the earning rates for the Chase Sapphire Preferred?

The card earns 2 Ultimate Rewards Points per $1 spent on travel and dining. You'll earn 1 Ultimate Rewards Point per $1 on all other purchases.

What benefits does the Chase Sapphire Preferred have?

It offers a 25% boost to point value when redeemed on the Chase Travel Portal. The card also offers great travel and purchase insurance.

What's the annual fee for the Chase Sapphire Preferred?

The annual fee for the card is $95.

Is the Chase Sapphire Preferred better than the Chase Sapphire Reserve?

Depends on how you plan on redeeming your rewards and how much you spend in the bonus categories. You can use the Chase Sapphire Preferred Points Calculator to compare the cash value of both cards.

How does the Chase Sapphire Preferred Point Calculator work?

The calculator will calculate total Ultimate Rewards Points and the cash value of the card based on spend, how much you value benefits, and fees. You can then compare it against hundreds of cards including the Chase Sapphire Reserve.

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Updated 2021-04-05 By Robert Flowers III

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