Chase Sapphire Preferred vs Chase Sapphire Reserve Calculator
/The Chase Sapphire cards are competitive when it comes to earning and redeeming points for travel. Both the Chase Sapphire Preferred and Chase Sapphire Reserve allow cardholders to pool Ultimate Rewards and access the Chase Travel Portal. The main question is, which Chase Sapphire card fits your lifestyle?
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
The Chase Sapphire Preferred and the Chase Sapphire Reserve both offer a 50,000 point welcome bonus after spending $4,000 on the card within the first 3 months of account opening.
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.
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.
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.
| Benefts | Chase Sapphire Preferred | Chase Sapphire Reserve |
|---|---|---|
| Points Earned on Travel | 2X Points | 3X Points |
| Dining |
2X Points | 3X Points |
| All Other Purchases | 1X Points | 1X Points |
| Redemption Value (Travel booked via Chase Travel Portal) | 25% more in travel redemption | 50% more in travel redemption |
| Access to Airline and Hotel Transfer Partners |
Yes | Yes |
| Annual Travel Credit | No | $300/card member year |
| Airport Lounge Access | No | Yes, with Priority Pass Select |
| Global Entry/TSA Pre✓® Credit |
No |
up to $100 every 4 years |
| Auto Collision Damage Waiver (CDW) | Primary, up to vehicle value. Excludes exotic rentals. | Primary, up to $75,000. Includes exotic rentals. |
| Trip Cancellation/Trip Interruption Insurance | up to $10,000 per person/trip, up to $20,000 per occurrence | up to $10,000 per person/trip, up to $20,000 per occurrence |
| Lost Luggage | $100/day, 6 hour delay, up to 5 days | $100/day, 6 hour delay, up to 5 days |
| Trip Delay Insurance | $500/person for 12+ hour delays | $500/person for 6+ hour delays |
Terms apply to all of the benefits above. Be sure to check the benefits guide for each card for the most up to date 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 the Chase Travel Portal.
