All rights reserved. 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's two Sapphire credit cards offer some of the best travel rewards on the market. 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. Is it still worthwhile to open the card? Includes costs and promos. Categories associated with the program will be added to the calculator. Is the Chase Sapphire Reserve still valuable for most travelers? Depending on how much you spend, the Chase Sapphire Reserve usually comes out to being the better card. Capital One Venture Rewards. Chase Calculators. Comparing perks of Chase Sapphire Reserve vs. Chase Sapphire Preferred. Sapphire Reserve ® Sapphire Preferred ® J.P. Morgan Reserve ® Introducing new offers for dining, travel and more from Sapphire Preferred. On May 21, 2017, the Chase Sapphire Reserve’s $300 travel credit was updated to be issued once per … 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. If you tend to spend a lot in travel and dining, the Chase Sapphire Reserve will usually be better than the Chase Sapphire Preferred. The total estimated value you can get out of this card and the amount of return for your spend. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Find the best credit cards by name, bonus categories, transfer partners, perks & benefits, or by how much you spend per month/year. Compare groups of credit cards side by side to find the best card combination based on your spend. Plus, if you also have the Chase Sapphire Reserve, you can combine points across cards to redeem points through Chase at an even better rate of 1.5 cents apiece. Although you pay a $95 annual fee, the 25% travel redemption bonus, 1:1 point transfers, and 60,000-point signup bonus can be well worth it. This website does not include all card companies or all card offers available in the marketplace. View our Advertising Policy . Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. Wells Fargo Propel vs Chase Sapphire Reserve, Capital One Venture vs Chase Sapphire Reserve, Chase Sapphire Reserve vs Preferred Calculator. Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? If you want to be more specific, you can specify domestic or international spend. Chase considers the following to be dining: All Chase Ultimate Rewards and cash back credit cards earn on Lyft spend. The currency the card earns and any other currencies on this side of the calculator. Want the latest article? 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. - To me the CSR seems crazy for you. The Platinum Card® from American Express, on the other hand, may only get … Membership is normally $19.99 per month which equals $240 in cash value. 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. This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees. .tg .tg-3m6e Primary, up to $75,000. Get a $10 bonus when you spend $25: Privacy Policy | Terms of Service | Archive Blog | © 2021 AskSebby. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. - 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 … Does not copy mobilepay indicator. The Chase Sapphire Reserve and Chase Sapphire Preferred both feature the categories of travel and dining. Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? Chase Sapphire Preferred vs. Chase Sapphire Reserve First, let’s take a look at all the key details of these two cards side-by-side: Chase Sapphire Preferred You can click on the amount to edit the value. Clear Mobile will remove the mobile pay option from all categories in both columns. This is the best earnings you can earn on Lyft spend. CSR will cost $225 x 2 = $450 CSP will cost $90 = $90 (first year fee … Both the Chase Sapphire Preferred and Chase Sapphire Reserve allow cardholders to pool Ultimate Rewards and access the Chase Travel Portal. The Preferred has an 80,000-point bonus, while the Reserve offers a mere 50,000 points. Chase has strict eligibility requirements on who can open a new Chase travel card, be it the Sapphire Preferred or the Reserve. I highly recommend using this card if you spend with the particular rideshare service. Enter how much you spend in each category listed. A list of all news, guides, and articles featured on The Point Calculator website. Follow along as I calculate the cash value of the Chase Sapphire Preferred based on spend, benefits, and fees! For avid travelers, the Chase Sapphire Reserve can be a good deal — even despite its $550 annual fee — thanks to its rich rewards and valuable perks. 6,000 Ultimate Rewards points 36,000 Ultimate Rewards points. Search for categories and click 'Add Category' to add it to the calculator. The Chase Sapphire Preferred has a standard sign up bonus of 60,000 Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months of account opening. This means that for every dollar you spend on travel or dining out with the Sapphire Reserve, you’re getting an additional 2 cents of value. Earn cash back on your online purchases w/ Ebates. The value of the card based on spend, benefits, and fees. About The Point Calculator • Private Policy • Advertising Policy. 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 … 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. The Chase Sapphire Preferred has a 60,000 point welcome bonus, and the Chase Sapphire Reserve has a 50,000 point welcome bonus after spending $4,000 on the card within the first 3 months of account opening. Be sure to check the benefits guide for each card for the most up to date information. Terms apply to all of the benefits above. Covers bonus categories, perks, sign-up bonus, and fees. Airline Credit Cards Since then, Chase has updated some benefits to the CSR. UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Chase Sapphire Reserve: $50 x 10 points x 12 months $1,000 x 3 points x 12 months. The Citi Prestige® Card also gets you five points per $1 at restaurants. Side by side comparison of Chase's and AMEX's top travel cards. 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. These are similar cards based on earning structure and other benefits (that aren't part of the same family). Copies all spend amounts and their units of time from one column to the other. Chase Sapphire Preferred vs Reserve card. Enter how much spend you plan on running through the card(s). Rewards Credit Cards 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 … 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. .tg th{font-family:proxima-nova, sans-serif;font-size:20px;font-weight:normal;padding:10px 5px;border-style:solid;border-width:0px;overflow:hidden;word-break:normal;border-color:#ccc;color:#333;background-color:#f0f0f0;} If you have a Chase Sapphire card, your points are worth more when you redeem for flights or hotels through Chase’s travel portal. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Also keep in mind that Chase Ultimate Reward points are worth 1.5 cents when used to book travel with the Chase Sapphire Reserve, versus the 1.25 cents that you get with the Chase Sapphire Preferred. It comes with a generous signup bonus and offers big bonus rewards for both travel and dining purchases. Ask Sebby crunches the numbers for you to calculate the Expected Value of the Chase Sapphire cards. The sum of all spend and bonuses above this line and the cash value of it all. 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. 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. We wrote a post awhile back comparing the Chase Sapphire Preferred (CSP) to the Chase Sapphire Reserve (CSR). The Chase Sapphire Preferred card and the Capital One Venture card both have $95 annual fees and offer a wide range of travel benefits. As with the AMEX Green Card, the Chase Sapphire Preferred has no authorized user fee and no foreign transaction fee which is great for adding additional users and spending internationally.- It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”, 5% Categories + 3% on restaurants and more, No annual fee + select 5% and 2% categories, Ask Sebby's Best Credit Cards Sign up for our newsletter! 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. The main question is, which Chase Sapphire card fits your lifestyle? Total: 42,000 Ultimate Rewards points. The Sapphire Reserve is a leading travel credit card, but a much smaller annual fee and higher sign-up bonus might make the Chase Sapphire Preferred a competitive option. Chase Sapphire Reserve vs. Chase Sapphire Preferred vs. Chase Freedom: Interest Rates Another area where the call is far from close, Chase Freedom’s financing capabilities dominate those of its sibling Sapphire Preferred. The Chase Sapphire cards are competitive when it comes to earning and redeeming points for travel. 3X Points (after you earn $300 in travel credit), Redemption Value (Travel booked via Chase Travel Portal), Access to Airline and Hotel Transfer Partners. However, Chase announced the Sapphire Reserve in 2016 with a 100,000 points bonus offer. Hotel Rewards Credit Cards Chase Bank serves nearly half of U.S. households with a broad range of products. Two years of complimentary membership which offers: $0 delivery fees from participating restaurants. 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. If you plan on redeeming this through the Chase Travel Portal, you're looking at a value of $750. Toggle this off to prevent such from happening. It offers a 25% boost to point value and some pretty good travel and purchase coverage. With the Chase Sapphire Reserve®, you can earn three points per $1 spent on restaurant dining around the world. We share our thought process when deciding between the two cards. 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. Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Capital One Savor Cash Rewards . When transferred to Chase's transfer partners, you're looking at either 60,000 airline miles or 60,000 hotel points which is more points/miles and better value when transferred than the Chase Sapphire Reserve's bonus. Get the details on buying rewards with airlines, hotels, and more. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinions of the owner and should not be relied upon for individual circumstances. Ask Sebby crunches the numbers for you to calculate the Expected Value of the Chase Sapphire Reserve® Card. A smaller 25% point boost is offered on the. .tg
.tg td{font-family:proxima-nova, sans-serif;font-size:20px;padding:10px 5px;border-style:solid;border-width:0px;overflow:hidden;word-break:normal;border-color:#ccc;color:#333;background-color:#fff;} We'll share 7 steps to calculate whether you're getting value from the new benefits and … Luckily, Chase has been pretty good at adapting card benefits to help most people still get value from their Chase Ultimate Rewards cards. 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. There's no cap on any of these bonus categories and no limit to the amount of Ultimate Rewards Points you can earn with either card. The Chase Sapphire Preferred has no annual fee the first year, but then you will be slapped with an annual $95 fee the second year onward. Calculate total points and the cash value of popular cards side by side. As I mentioned above, the first part of this analysis will compare the Chase Sapphire Reserve to the Chase Sapphire Preferred. Counting the annual travel credit, you're looking at an actual fee of $250 per year. Scroll down to the end of the post to see our methodology. DashPass normally costs $9.99 per month which equals $120 in cash value. It's much appreciated if you do! CSR will cost $225 x 2 = $450 CSP will cost $90 = $90 (first year fee … Trying to decide between the Chase Sapphire Reserve or Preferred card? Is the Chase Sapphire Preferred Worth $95 (60K Sign Up Bonus)? Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited to those looking to enjoy a more luxurious travel lifestyle. However, the Chase Sapphire Reserve may be a better choice even for lower levels of spending if you value Priority Pass Select lounge membership, trip delay protection that kicks in after a six-hour or overnight delay (instead of after a 12-hour or overnight delay with the Chase Sapphire Preferred) and other perks offered by the Sapphire Reserve. As part of the Chase-Lyft Partnership, both cards feature the rideshare service Lyft as a bonus category as well. You'll receive a 25% point boost when you redeem points on the Chase Ultimate Rewards Portal. - To me the CSR seems crazy for you. In order to complete this portion of the analysis, it’s necessary to calculate a break-even point between the two cards as it … Like most Chase credit cards, the Chase Sapphire Preferred is subject to the Chase 5/24 rule. The Chase Trifecta 3-card system is one of the fastest ways to earn more Ultimate Rewards. Side by side comparison of Chase's popular Sapphire Cards. Chase has two Sapphire credit cards that are popular among avid travelers: The Sapphire Reserve and the Sapphire Preferred. The easiest calculation is Citi Double Cash vs Chase Sapphire reserve. The Chase Sapphire Reserve ® is Chase's premier premium travel rewards card. Chase | Ultimate Rewards - Chase Sapphire Reserve vs Preferred Calculation help? Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). The card offers that appear on this site are from companies from which this website receives compensation. 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. Here's how the two compare. Chase Sapphire Reserve vs. Both offer strong welcome bonuses and … They are meant to provide estimates and may not reflect the exact amount of rewards you will receive. I got the Chase Sapphire Preferred in 2012 and I never imagined that I would replace it. Those of you that follow our website and channel regularly know that I am a big fan of the Sapphire Reserve. 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 Reserve is a premium card that offers a superb return on travel & dining purchases, provides a bunch of luxury travel benefits, and grants great travel/purchase insurance and protection. Be sure to read the terms and conditions of credit cards and rewards programs before applying/signing up as benefit and perk changes may not be reflected immediately on this website. Annual fee and authorized user fee (if applicable) details. 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