Chase Sapphire Preferred Calculator
Calculate if the $95 annual fee is worth it based on your dining, travel, gas, and streaming spend. Updated for the June 15, 2026 refresh.
1. Enter Your Spending
5X Category
3X Categories
2X Category
1X Category
2. Credits & Benefits
The June 2026 refresh added real credits. Only count the ones you will actually use.
Included Benefits (No Extra Value Needed)
- • Trip delay/cancellation insurance
- • Emergency evacuation & transportation coverage (up to $100,000, new June 2026)
- • Primary auto rental CDW coverage
- • Purchase protection & extended warranty
- • Complimentary DashPass membership
- • No foreign transaction fees
- • 25% more value in Chase Travel (1.25 cpp)
3. Point Valuation (cpp)
cpp = cents per point. Ultimate Rewards points can be redeemed at 1.25 cpp in Chase Travel, or transferred to airline/hotel partners for potentially higher value.
1.0 cpp: Statement credit or Amazon checkout
1.25 cpp: Chase Travel portal redemption
1.5 cpp: Conservative transfer partner value
2.0 cpp: Strong airline transfer redemptions
Optimize Your Entire Wallet
The Sapphire Preferred is a great starter travel card. See how it fits with your other cards to maximize rewards across all categories.
Try the CardSavvy OptimizerLearn More
Considering upgrading to the Sapphire Reserve? Compare the numbers.
This calculator provides estimates based on published Sapphire Preferred terms as of June 2026, including the new earn rates and credits effective June 15, 2026. Benefits, earning rates, and redemption values can change. Not financial advice.