Chase Sapphire Reserve Card Calculator

Ultimate Rewards Points Calculator for the Chase Sapphire Reserve. Calculate total points and cash value based on spend, benefits, and fees. Compare!
Last Updated: 2020-10-31

The Chase Sapphire Reserve is one of the most popular premium travel cards available. It offers a great return across the categories of travel and dining while offer a bunch of travel perks such as a points value boost on Chase Travel Portal redemptions, Priority Pass Select membership, Lyft benefits, and even a $300 annual travel credit. It's a great fit for anyone that frequently travels and it is often the better choice over the Chase Sapphire Preferred Card due to the value the card can easily offer.

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

Bonus Categories

The Chase Sapphire Reserve has two bonus categories which are travel and dining. The card also features Lyft as a temporary bonus category until March 2022 as part of the Chase-Lyft partnership. There is no limit to the amount of bonus points you can earn spending across these three categories and no limit to the amount of points you can earn with the Chase Sapphire Reserve overall.

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

Perks & Benefits

The Chase Sapphire Reserve offers a bunch of elite travel perks and benefits. This includes an annual travel credit, point value boosts, and lounge access to name a few.

  • 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 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

Sign Up Bonus

The standard sign up bonus for the Chase Sapphire Reserve is 50,000 bonus Ultimate Rewards Points after spending $4,000 on purchases within the first 3 months of account opening. The value of these points can range depending on how you plan on using them.

Sapphire Reserve Sign Up Bonus Value
Redemption Value
Transfer To Partners ~$720 to $1,200+
Chase Travel Portal $750
Cash/Statement Credit $600
Most Other Redemption $600 or less

You can obtain the highest value by transferring your points to Chase's airline and hotel partners. Redeeming your points on the Chase Travel Portal can also give you a solid value of 1.5 cents per point which is a great option if you can't find a good transfer option. All other redemptions will typically give you 1 cent or lower in value.

Fees

Annual Fee

The annual fee for the Chase Sapphire Reserve is $550. Since the card offers $300 of your money back in the form of an annual travel credit that's easy to use, you're looking at an actual fee of $250. The benefits on this card far exceeds $250 if you make use of them. For example, this card offers several membership.

  • Priority Pass Select - Normally costs $429 for unlimited access
  • DoorDash DashPass Membership - Normally costs $9.99 per month ($120 per year)
  • Lyft Pink Membership - Normally costs $19.99 per month ($240 per year)

Of course... if you don't use these membership then they are worth $0, so you'll need to determine the value of these memberships.

Another thing that adds value to this card is the travel and purchase insurance. If you don't have any cards that offer some of these great insurances, such as Trip Cancellation and Trip Interruption, then you'll want to factor that in.

You can use the Search By Perks & Benefits Tool to search for cards by travel insurance, purchase insurance, and top travel perks (e.g. Global Entry, Cell Phone Protection, Price Protection, etc).

Lastly, the card earns triple points on travel and dining. This is equal to a 4.5% return on your spend in these categories if you redeem your points on the Chase Travel Portal and an even higher return if you can transfer your points and redeem them for more than 1.5 cents in value. If you spend heavy in travel or dining, you should easily be able to make up for the left over $250 fee.

Authorized User Fee

The authorizes user fee for the Chase Sapphire Reserve Card is $75 per additional user. Outside of the ability to earn points running spend through the card, authorized users will have access to the following:

  • DoorDash Subscription
  • Priority Pass Membership
  • Travel & Purchase Insurance

The listed benefits are worth more than $75 if your authorized user(s) plan on using them. If you're looking strictly from a point perspective, it will depend on the value you get out of your points. If you redeem your points for 1 cent each, you'll need 7,500 points to wipe out a $75 fee whereas if you redeem your points for 1.5 cents each you'll need 5,000 points to wipe out a $75 fee, so on and so forth.

Generally, if your authorized users are going to run a decent amount of spend through the card and they plan on using at least one or more of the card benefits, adding them will be worth it.

Foreign Transaction Fee

The foreign transaction fee for the Chase Sapphire Reserve Card is 0%. This makes it one of the best credit cards for those who want to earn rewards spending worldwide without penalty. If you frequently travel internationally and you want a card that earns a great return and has great acceptance (VISA) then this is card to consider.

If you've opened more than 5 new accounts in the last 24 months, your chances of being approved for a Chase credit card will be low. You can use Credit Karma for free to check how many new accounts you've opened if you're unsure.

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.

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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 & Fees
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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 based on spend, benefits, and fees.
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Total Return
The percent you are earning based on spend, earnings, and fees.
Plan on applying for a Chase credit card but not sure if you have opened more than 5 new accounts in the past 24 months? Sign up for a free Credit Karma account and find out!

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