Calculator: Wells Fargo Propel vs Chase Sapphire Reserve

Calculate how many points you can earn with the Wells Fargo Propel vs the Chase Sapphire Reserve side by side based on spend and fees. Compare benefits.

The Wells Fargo is a great, no-annual fee rewards card that earns a great return on travel, dining, gas station, and streaming services. The Chase Sapphire Reserve is a premium travel card that carries a hefty annual fee while offering annual travel credits, lounge access, a boost in point value, great returns on travel & dining, and much more.

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

Rewards Rate Details

The Wells Fargo Propel features 4 bonus categories which are travel, dining, gas station, and streaming services. There's no limit to the amount of bonus Go Far Rewards Points you can earn spending in these three four categories and no limit to the amount of Go Far Rewards Points you can earn with the card overall.

The Chase Sapphire Reserve card has two bonus categories which are travel and dining. As part of the Chase-Lyft Partnership, the card also earns bonus points on Lyft spending. There's no cap on any of the bonus categories and there's no limit to the amount of Ultimate Rewards Points you can earn with the card overall.

Wells Fargo Propel AMEX

  • 3x Travel
    • Travel for this card is considered to be:
      • Airline
      • Passenger Railway
      • Hotel and Motel
      • Timeshares
      • Vehicle and Auto Rentals
      • Cruise Lines
      • Travel Agencies
      • Discount Travel Sites
      • Campgrounds
      • Passenger Trains
      • Taxis
      • Limousines
      • Ferries
      • Toll Bridges and Highways
      • Parking Lots
      • Garages
  • 3x Gas Station
  • 3x Transit
    • Includes rideshares.
  • 3x Dining
  • 3x Streaming Services
    • Apple Music
    • Hulu
    • Netflix
    • Pandora
    • Sirius XM Radio Inc.
    • Spotify Premium
  • 1x Non-Category

Chase Sapphire Reserve

  • 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

Perks & Benefits

The only benefit of the Wells Fargo Propel AMEX is that it offers cell phone protection when you use the card to pay for your monthly cellular telephone bill.

The Chase Sapphire Reserve offers a significant amount of benefits considering it's a premium travel cards. This includes annual credits, lounge access, and much more.

Wells Fargo Propel AMEX

Chase Sapphire Reserve

  • 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 for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck for expedited screening through TSA checkpoints.
  • 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

Rewards 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 across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) 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 cards based on spend, benefits, and fees.
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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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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.
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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.
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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.
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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:
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Updated 2020-07-21 By Robert Flowers III

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