Chase Points Calculator: Chase Sapphire Reserve

Is the Chase Sapphire Reserve worth $550? Calculate the card value based on spend, benefits, and fees. Compare results side by side other top travel cards.

The best way to find out if the Chase Sapphire Reserve® is worth the $550 fee is to calculate the cash value of points earned and card benefits, minus the annual fee. You can use the Chase Sapphire Reserve Point Calculator to calculate the cash value of the card. Results can be compare against other Chase credit cards or top rewards cards from other banks.

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Brief Overview

The Chase Sapphire Reserve® earns 3 Ultimate Rewards Points per $1 spent on travel and dining purchases. The card offers a long list of benefits which includes a 50% point value boost to Chase Travel Portal redemptions, Priority Pass Select membership, an annual $300 travel credit, and much more. Overall, the Chase Sapphire is a great premium card that excels in earning a great return on your spend and granting elite travel benefits.

Rewards Rate Details

The Chase Sapphire Reserve has two bonus categories that earn bonus Ultimate Rewards Points. Those categories are travel and dining. There's no cap on the earnings for these categories and no limit to the amount of points you can earn with the card overall.

  • 3x Travel
    • You will not earn points on travel until the annual $300 travel credit is exhausted.
    • 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

Lyft Partnership

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

  • 10x Lyft
    • This is the highest return you can earn on Lyft spend.
    • All other Chase Ultimate Rewards and cash back credit cards earn 5x/5%.

Perks & Benefits

The Chase Sapphire Reserve offers a long list of elite travel benefits including an annual travel credit, boost to point value on Chase Travel redemptions, and Priority Pass Lounge access.

  • 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.
    • You will not earn 3x on travel until you have used the full $300 credit.
  • 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.
  • Global Entry or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
    • This 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
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.

Note! 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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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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FAQ

How much are Chase Sapphire Reserve Points worth?

Points redeemed through the Chase Travel Portal are worth 1.5 cents each. You can transfer points to Chase's airline and hotel partners for a chance at great value.

How many Chase Sapphire points equal a dollar?

For travel redemptions, a $1 will be equal to about 67 points. For cash back redemptions, 100 points will equal $1.

How much is 50,000 Chase Ultimate Rewards Points worth?

With the Chase Sapphire Reserve, 50,000 Chase Points can be redeemed for $750 in travel. This is also worth $500 in cash back at the standard rate of 1 cent per point.

Is the Chase Sapphire Reserve worth $550?

This will depend on your spend habits. In my opinion, the amount of value you can get out of the Chase Sapphire Reserve far exceeds the cost of $550 per year. You can use the calculator to calculate the cash value yourself and compare against other top credit cards.

Updated 2021-04-05 By Robert Flowers III

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