Chase Sapphire Preferred Points Calculator - Worth $95 Fee?

The Chase Sapphire Preferred is one of the best travel cards. Calculate the cash value based on your spend to find out if it's worth the $95 annual fee.

The Chase Sapphire Preferred® is one of the best travel credit cards for those new to earning rewards as well as one of the best for those who are an expert at redeeming Ultimate Rewards Points for maximum value.

Use the Chase Sapphire Preferred Point Calculator to find out if the card is worth the $95 annual fee by calculating the cash value and comparing it side by side top travel credit cards in the market.

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

Rewards Rate Details

The Chase Sapphire Preferred features five categories that earn bonus Ultimate Rewards Points. Those categories are Chase Ultimate Rewards Travel portal purchases, dining, streaming services, online groceries, and general travel purchases.

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 Chase Sapphire Preferred overall.

  • 5x Chase Travel Portal
  • 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
  • 3x Online Grocery
    • This will only apply to online grocery shopping.
    • In-store grocery spend will not count for this category.
  • 3x Streaming Services
  • 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
    • Purchases made through the Chase Ultimate Rewards Travel portal do not apply to this bonus category and will earn at the higher 5X rate.
  • 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, a $50 hotel credit, and an annual cardmember anniversary bonus. 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

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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
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).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
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Currency Worth

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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Loyalty & Memberships

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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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
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.
Card 1
Card 2

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.
Card 1
Value:
Return:
Card 2
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
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 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®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • 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 5X Ultimate Rewards Points on travel purchases through Chase Ultimate Rewards, 3X on online grocery, select streaming services, and dining purchases, 2X on other travel purchases, and 1X on everything else.

What benefits does the Chase Sapphire Preferred have?

It offers a 25% boost to point value when redeemed on the Chase Travel Portal, a $50 anniversary hotel credit and great travel and purchase insurance coverage.

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.

Updated 2021-08-17 By Robert Flowers III
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