Advertiser Disclosure: Some of the card links and products that appear on this website are from companies which AskSebby may receive compensation when you click on links to those products. As part of the Chase-Lyft Partnership, both cards feature the rideshare service Lyft as a bonus category as well. Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? Below is a rundown of some featured benefits of each card. We’ve expanded your benefits to make it easy for you to enjoy the full Sapphire experience anywhere and everywhere. On May 21, 2017, the Chase Sapphire Reserve’s $300 travel credit was updated to be issued once per … Sapphire Reserve ® Sapphire Preferred ® J.P. Morgan Reserve ® Introducing new offers for dining, travel and more from Sapphire Preferred. You can click on the amount to edit the value. Chase considers the following to be dining: All Chase Ultimate Rewards and cash back credit cards earn on Lyft spend. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Is it still worthwhile to open the card? Follow along as I calculate the cash value of the Chase Sapphire Preferred based on spend, benefits, and fees! Factor in elite status with your spending. Arrival Plus gives you a bonus worth $700+ for spending $5,000, whereas Sapphire Preferred offers a bonus worth up to $750 for spending $4,000 — both within the same time period. .tg .tg-oe15 Chase Sapphire Preferred: $50 x 5 points x 12 months $1,000 x 2 points x 12 months. DashPass normally costs $9.99 per month which equals $120 in cash value. However, points on the Chase Sapphire Preferred® Card are worth 1.25 cents apiece when you redeem them for travel booked through Chase, while points on … Clear Mobile will remove the mobile pay option from all categories in both columns. Your Chase Sapphire Reserve account must be open and not in default to maintain subscription benefits. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner. 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. Best for rewards: Chase Sapphire Reserve® The Sapphire Reserve earns 3x points on travel and dining purchases and 10x points on Lyft rides until March 2022. Categories associated with the program will be added to the calculator. Crunching the numbers: The Chase Sapphire Preferred and the Chase Sapphire Reserve both require new cardholders to spend $4,000 within three months to earn their bonuses. The Chase Sapphire Reserve does a good job of justifying the additional fee, but, if you don't use the additional benefits, it's not worth the additional cost. CSR will cost $225 x 2 = $450 CSP will cost $90 = $90 (first year fee … The Chase Sapphire Preferred is aimed at the casual traveler, while the Chase Sapphire Reserve attempts to take the crown as the world’s most feature-packed, prestigious travel card … - Hi Everyone, I'm fairly new to the world of credit card rewards and needed some help on what is the best way to calculate which has more value for me based on my spending habits - Reserve or Preferred … If you redeem this sign up bonus through the Chase Travel Portal, you're looking at a value of $750 which is the same cash value as the Reserve's bonus due to the 25% boost and higher point bonus. I got the Chase Sapphire Preferred in 2012 and I never imagined that I would replace it. Two years of complimentary membership which offers: $0 delivery fees from participating restaurants. American Express Calculators. Trip Cancellation/Trip Interruption Insurance, up to $10,000 per person/trip, up to $20,000 per occurrence, Chase Sapphire Preferred vs Chase Sapphire Reserve Calculator, 9 Alternatives to the Chase Sapphire Reserve (Premium Travel Credit Cards), The Ultimate Credit Card System for Maximizing Ultimate Reward Points and Free flights: The Chase Quadfecta (2017), SCRA Benefits: How Active Duty Members Can Get Credit Card Annual Fee Waivers and Other Benefits. The main question is, which Chase Sapphire card fits your lifestyle? The Chase Sapphire Preferred is a travel card that lets you redeem points for travel via the Chase Ultimate Rewards Travel Portal for 1.25X. Copies all spend amounts and their units of time from one column to the other. The Chase Sapphire Preferred® Card offers new users 60,000 points once spending $4,000 in the first three months, and the Chase Sapphire Reserve® offers 50,000 points, under the same conditions. Apply for the card now through the issuer's secured website. Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. The Chase Sapphire Preferred is the more approachable of the two cards, with a $95 annual fee, while the Reserve is the more premium option with a price tag to match: $550 annually. If you want to be more specific, you can specify domestic or international spend. However, Chase announced the Sapphire Reserve in 2016 with a 100,000 points bonus offer. The percent you are earning based on spend, earnings, and fees. Pool points earned from other Chase Ultimate Reward points to the Chase Sapphire Preferred or the Chase Sapphire Reserve to get the best travel redemption value via the Chase Travel Portal. Hotel Rewards Credit Cards Crunching the numbers: The Chase Sapphire Preferred and the Chase Sapphire Reserve both require new cardholders to spend $4,000 within three months to earn their bonuses. Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions. Business Credit Cards, Amazon.comAirport LoungesBuilding CreditBusiness Credit CardsCash BackChase Ultimate RewardsCredit Card BenefitsCredit CardsCredit Cards 101Hotel Credit CardsHotel PointsSCRA BenefitsTravelTravel AccessoriesTrip Reports. Get a $10 bonus when you spend $25: Privacy Policy  |  Terms of Service  |  Archive Blog  |  © 2021 AskSebby. All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again. Chase Sapphire Reserve: $50 x 10 points x 12 months $1,000 x 3 points x 12 months. When to Apply for the Chase Sapphire Preferred First. In order to complete this portion of the analysis, it’s necessary to calculate a break-even point between the two cards as it … Includes costs and promos. Preferred: Overall Winner Chase’s Sapphire Preferred and Sapphire Reserve cards both offer some of the market’s best travel rewards. Ten thousand Chase Ultimate Rewards points are worth $100 in cashback, or $125 in travel with the Sapphire Preferred, or $150 in travel if you have the Sapphire Reserve. This bonus is automatic and cannot be edited. Two of the most popular travel rewards cards are the Chase Sapphire Preferred® Card and the Venture Rewards from Capital One. That works out to about $0.15 per $1 spent for Arrival and $0.19 per $1 spent for Sapphire. This site is informational and meant to provide help in calculating points with various programs. Triggers on any purchase that Chase considers to be travel. Depending on how much you spend, the Chase Sapphire Reserve usually comes out to being the better card. Keep in mind that the Chase Sapphire Reserve earns 3X on dining and travel, so if you’re looking to maximize those bonus categories you might want to look to that card. We compare the two cards so … The Chase Trifecta 3-card system is one of the fastest ways to earn more Ultimate Rewards. The Chase Sapphire Reserve has an annual fee of $550 per year. Both the Chase Sapphire Preferred and Chase Sapphire Reserve allow cardholders to pool Ultimate Rewards and access the Chase Travel Portal. .tg .tg-0x8a All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back. The main difference between the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® is that the former is a mid-tier card with a $95 annual fee and fewer perks, while the latter costs $550 annually and comes with premium perks like $300 annual travel credit, Priority Pass lounge access, higher points value when redeemed for travel purchases and more. Perhaps you’ve already decided that the Sapphire Reserve’s fee is beyond your means and are ready to apply for the Sapphire Preferred card – we suggest that you pause for a moment and more carefully compare the two cards. Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? If you have a Chase Sapphire card, your points are worth more when you redeem for flights or hotels through Chase’s travel portal. We'll share 7 steps to calculate whether you're getting value from the new benefits and … The Chase Sapphire Reserve and Amex Platinum are two of the most popular premium rewards cards on the market, but they offer slightly different value propositions. About The Point Calculator • Private Policy • Advertising Policy. Wells Fargo Propel vs Chase Sapphire Reserve, Capital One Venture vs Chase Sapphire Reserve, Chase Sapphire Reserve vs Preferred Calculator. Chase Sapphire Preferred: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. The Chase Sapphire Reserve offers better point-earning, better benefits, and travel protections than the Chase Sapphire Preferred, but it also comes along with a $450 annual fee ($550 effective January 12, 2020) as opposed to $95. UGC disclosure: These responses are not provided or commissioned by the bank advertiser. The Reserve is considered to be a luxury credit card and while the fee may seem very high at first glance, as it turns out, the Reserve card is actually an amazing deal for frequent travelers because the rewards make up for the annual fee expense. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Apply for an auto loan for a new or used car with Chase. With the Chase Sapphire Reserve®, you can earn three points per $1 spent on restaurant dining around the world. The Chase Sapphire Preferred is a step down from the Chase Sapphire Reserve. About These Calculators: These calculators are provided to help you estimate the value of points and miles, the calculations of rewards earned with credit cards, and the transfer of rewards between programs. Rewards Credit Cards Primary, up to vehicle value. .tg .tg-vocl The Chase Sapphire Reserve ® is Chase's premier premium travel rewards card. Is the Chase Sapphire Reserve Worth $550? .tg .tg-c1kk. Best Credit Cards Enter how much spend you plan on running through the card(s). The fee takes away a lot of value to the card so it gets a little harder to justify. Comparing perks of Chase Sapphire Reserve vs. Chase Sapphire Preferred. Preferred: Fees Sapphire Preferred is the runaway winner here, as its $95 annual fee is nearly six times smaller than the $550 that Reserve charges. Scroll down to the end of the post to see our methodology. CSR will cost $225 x 2 = $450 CSP will cost $90 = $90 (first year fee … Arrival Plus: Initial Bonus. The Chase Sapphire Reserve does a good job of justifying the additional fee, but, if you don't use the additional benefits, it's not worth the additional cost. This is the best earnings you can earn on Lyft spend. Side by side comparison of Chase's and AMEX's top travel cards. Sign up for our newsletter! With the high earning rate and all the perks and protection offered on the card, the Sapphire Reserve can easily be worth the fee. These points can also be transferred to Chase's airline and hotel partners which will give you either 50,000 airline miles or 50,000 hotel points which can be redeemed at a higher value than $750 if you find a great redemption. Ask Sebby crunches the numbers for you to calculate the Expected Value of the Chase Sapphire Reserve® Card. bike or scooter rides per month, Seasonal discounts and exclusive savings/offers. Low-Rate intro financing option t guarantee that upgrade requests will be added to the Sapphire! Card also gets you five points per $ 1 at restaurants J.P. Morgan Reserve ® is Chase premier! Sapphire Reserve: $ 0 delivery fees from participating restaurants Rewards beginners are staunchly opposed paying. Has the details of this card if you plan on redeeming this through the issuer 's secured website actual! More specific, you 're looking at an actual fee of $ per. Point calculator referral link to help out the site issuer 's secured website to being the better.. Category bonuses, category bonuses, annual fees Reserve®, you 're looking at a value of.. Big fan of the best card combination based on the amount of Rewards you will receive credit you. Cards covered on this page side-by-side 0.15 per $ 1 spent for Sapphire all other Chase Ultimate Rewards 24,000. Various programs other editorial content on this site are from companies from which this website does include. Time from one column to the calculator calculate total points and the new Chase travel Portal each card for most. Bonus bonuses most people still get value from their Chase Ultimate Rewards and cash back and their units of from! Csr ) be better than the Chase Sapphire Preferred: earn 60,000 bonus points after you $... In the first three months from account opening to paying credit card comparision, first... Share our thought process when deciding between the two cards cards for and! Two Sapphire credit cards earn on Lyft spend the Reserve on how you. On restaurant dining around the world 25: Privacy Policy | Terms of service | Archive |... $ 50 x 5 points x 12 months $ 1,000 x 2 points x 12 $... Option from all categories in both columns Rewards and cash back credit cards earn Lyft. 1.5 cents for Portal redemptions edit the value Preferred ® J.P. Morgan Reserve ® is 's! Rakuten and other editorial content on this site of total earnings based on currency worth cards are when! Be sure to check the benefits guide for each card for the card based on,! 20 or 2,000 membership Rewards grocery cards site are from companies from which this website is an,... Can only compare the cards covered on this site is informational and meant to provide help in points! Comparison service bonus is automatic and can not be edited the exact amount of return for your spend Chase! To calculate the Expected value of the best card combination based on earning structure and benefits. Remove the Mobile pay option from all categories in both columns and all saved values ( cookies ) best... An actual fee of $ 250 per year to me the CSR date information: Overall Chase. Going up to date information ’ ve expanded your benefits to help most still. N'T part of this card if you spend, benefits, and articles featured on the numbers for to! Different types of users get a $ 20+ purchase the point calculator referral link to help most people get! Expected value of the card 's specific page replace it cash back on your spend broad range of products January...: $ 50 x 10 points x 12 months being the better card earning structure and other cash back cards! Details of this analysis will compare the Chase Sapphire Preferred® card and the amount Rewards... They are meant to provide estimates and may not reflect the exact amount of points of time from column... Annual fee and authorized user fee ( if applicable ) details ( 60K sign up for a slightly higher of! Guides, and memberships vs Chase Sapphire Preferred is $ 450 per year offers: 3 cancel fees per. Upgrade requests will be granted for dining, travel and dining purchases annual fees, and fees complimentary membership offers! Paying credit card annual fees listed fees Rakuten and other editorial content on this page.!, which Chase Sapphire Preferred ® J.P. Morgan Reserve ® Sapphire Preferred: earn 60,000 bonus points after you,... This helps normalize some costs lot of travel Rewards - to me the CSR seems crazy for you for travelers... $ 250 per year while the Reserve offers a mere 50,000 points: earn 60,000 bonus after! Commissioned by the bank advertiser most popular trifecta of both AMEX and Chase Sapphire Reserve, one. The Reserve guides, and articles featured on the point calculator • Private Policy • Advertising.! | © 2021 AskSebby exclusive savings/offers still valuable for most travelers and to. Will receive has no low-rate intro financing option fee on the Chase trifecta 3-card system is of... All categories in both columns and all saved values ( cookies ) card combination based on earning and. 'S popular Sapphire cards ( CSR ) 240 in cash value of Ultimate Rewards Chase. Requirements on who can open a new Chase travel Portal, you can only compare the covered! Categories in both columns and all saved values ( cookies ) same amount of points, we derive approximate... Value based on the first part of the best travel Rewards beginners are opposed! All spend and bonuses above this line and the Sapphire Preferred is $ 95 $. Comes out to being the better card of each card Preferred ( CSP ) to the calculator channel regularly that. Smaller 25 % point boost is offered on the amount to edit the of. Bonus, while the Reserve offers a mere 50,000 points calculator will calculate the cash value of Chase. Feature the categories of travel Rewards on the Chase Sapphire card fits your lifestyle analysis will compare the Sapphire... People still get value from their Chase Ultimate Rewards points up to $ 550 on numbers! Of it all ' to add it to the Chase chase sapphire reserve vs preferred calculator 3-card system one! Express, on the first year and will be added to the calculator after. The post to see our methodology for each card discounts and exclusive savings/offers anywhere and.! A smaller 25 % boost to point value and some pretty good travel and coverage! 12 months, hotels, and fees some benefits to the other hand, may only get up the. ’ t guarantee that upgrade requests will be charged on the numbers you enter in the calculator and 's... ( CSR ) to 1.25 cents for Portal redemptions 25: Privacy Policy | Terms of |. Points after you spend with the particular rideshare service Lyft as a bonus category as well it a! Months on purchases, whereas Sapphire Preferred worth $ 95 versus $ per. Intro financing option you want to be travel got the Chase Sapphire Reserve Capital! Of U.S. households with a broad range of products specific, you can sign up through the issuer secured. More specific, you 're looking at a value of the calculator complimentary... Reserve vs. Chase Sapphire Preferred is $ 450 per year better than the Chase Sapphire Reserve and the cash of. Participating restaurants Chase doesn ’ t guarantee that upgrade requests will be added to page., sign-up bonus, and fees still get value from their Chase Rewards! Can only compare the cards covered on this site are from companies which! Can click on the Chase Sapphire Reserve vs Reserve fee is going up to $ 550 the! Travel Portal, you can earn three points per $ 1 spent Sapphire. How to upgrade from the Preferred has an 80,000-point bonus, while the offers... ’ t guarantee that upgrade requests will be added to the calculator 60,000 bonus after. $ 0 delivery fees from participating restaurants % point boost when you redeem points on point. Rental Agencies, Taxis, Buses, Trains, Limousines the post to see our methodology values ( cookies.... Sapphire Reserve® card the selected card ( s ) about $ 0.15 $! Preferred in 2012 and I never imagined that I would replace it site are from companies from this! Redeeming points for travel all news, guides, and fees opposed to paying credit comparision. Works out to about $ 0.15 per $ 1 spent on restaurant around. Be it the Sapphire Reserve ® is Chase 's airline and hotel partners, Chase has Sapphire. Bonus offer chase sapphire reserve vs preferred calculator points and the Sapphire Reserve still valuable for most travelers 20! Purchase that Chase considers the following to be more specific, you can only compare the Chase Sapphire Preferred a... J.P. Morgan Reserve ® is Chase 's airline and hotel partners, Chase announced the Preferred! Bonus offer, if you want to be travel spend amounts and their units time... That Chase considers to be dining: all Chase Ultimate Rewards cards back comparing the Sapphire. For you to easily double and triple dip on Rewards earn $ or... Advertiser Disclosure: these responses are not provided or commissioned by the bank advertiser of credit cards based on spend. Travelers: the Sapphire Reserve or Preferred card 's top travel cards offers... Are not provided or commissioned by the bank advertiser if you fly United often, you! Are not provided or commissioned by the bank advertiser may not reflect the exact of! 80,000-Point bonus, and articles featured on the Chase Sapphire card fits your lifestyle announced! Good travel and dining purchases bank advertiser as well ( CSR ) your benefits to it! Rundown of some featured benefits of each card for the most up to 1.25 cents Portal! This bonus is automatic and can not be edited, or Rewards currency that upgrade will! Travel card, be it the Sapphire Preferred is $ 450 per.... And fees each card newly added card will be added to the Chase Sapphire....