Chase Sapphire Preferred vs Chase Sapphire Reserve Calculator
Find Out Which Chase Sapphire Card Delivers the Best Value for Your Travel Habits
The Chase Sapphire cards are competitive when it comes to earning and redeeming points for travel. Both the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® allow cardholders to pool Ultimate Rewards and access Chase Travel℠. The main question is, which Chase Sapphire card fits your lifestyle?
The Chase Sapphire Reserve® is the ultimate card for the frequent traveler. It comes with a $300 travel credit, up to $100 Global Entry or TSA PreCheck® credit, airport lounge access via Priority Pass Select, and much more.
Chase Sapphire Preferred® vs Chase Sapphire Reserve® Calculator
Ask Sebby crunches the numbers for you to calculate the Expected Value of the Chase Sapphire cards. For the expected value of points, we derive the approximate dollar value based on the numbers you enter in the calculator. Scroll down to the end of the post to see our methodology.
Welcome Bonus and Eligibility
To qualify for the offer, you must not currently hold a Chase Sapphire card AND have not received a Chase Sapphire welcome bonus in the past 48 months (4 years).
The Chase Sapphire cards are affected by the Chase 5/24 rule, so if you have opened 5 or more credit cards from any credit issuer within the past 24 months, you will not qualify for the welcome offer.
Chase Sapphire Preferred® CardAnnual fee: $95
Sebby’s Take: One of the best starting points into the travel rewards world. You have flexible points, strong multipliers, a reasonable annual fee, and tons of optionality (whether team cash back or travel).
Annual fee: $95
Sebby’s Take: One of the best starting points into the travel rewards world. You have flexible points, strong multipliers, a reasonable annual fee, and tons of optionality (whether team cash back or travel).
Chase Sapphire Reserve®Annual fee: $550
Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. It’s a top choice for frequent travelers who want premium benefits and flexible redemption options
Annual fee: $550
Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. It’s a top choice for frequent travelers who want premium benefits and flexible redemption options
Calculation Methodology
The results from the above calculator are based on your ability to reach the minimum spend requirement to earn the welcome bonus, your amount of spend on different categories, how you plan to redeem Chase Ultimate Rewards®, and how much relative value you assign for other benefits.
Below is a rundown of some featured benefits of each card. “Learn More” about each card to view pricing and more detailed information.
Optimal Strategy
The Chase Trifecta 3-card system is one of the fastest ways to earn more Ultimate Rewards. 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 Chase Travel.
💳 Featured Card Offers
60,000 bonus points
60,000 bonus points
In this article
- Chase Sapphire Preferred® vs Chase Sapphire Reserve® Calculator
- Welcome Bonus and Eligibility
- Calculation Methodology
- Optimal Strategy
💳 Featured Card Offers
60,000 bonus points
60,000 bonus points