2026 Edition

Chase Sapphire Reserve Calculator

Calculate if the $795 annual fee is worth it based on your spending and credit utilization.

1. Enter Your Spending

Travel

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Dining & Lifestyle

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2. Credit & Perk Usage

Be honest about which credits you'll actually use. Over-optimism inflates your net value.

Statement Credits

Anniversary year travel purchases

Max: $300
Amount used:
$

Semiannual $250 (2-night min hotel stays)

Max: $500

Semiannual $150 (Exclusive Tables/OpenTable)

Max: $300

Semiannual $150 (activation required)

Max: $300

Monthly promos (requires DashPass)

Max: $300

$10/month

Max: $120

$10/month (activation required)

Max: $120

Subscription Perks

Only count these if you would otherwise pay for them.

Lounge Access

Other Value

0%

3. Point Valuation (cpp)

cpp = cents per point. This is how much each Ultimate Rewards point is worth when redeemed. 1.5 cpp means 10,000 points = $150.

1.0 cpp: Baseline Chase Travel portal redemption

1.5 cpp: Conservative transfer partner value

2.0 cpp: Strong redemptions / Points Boost outcomes (not guaranteed)

Optimize Your Entire Wallet

The CSR is just one card. See how it fits with your other cards to maximize rewards across all your spending categories.

Try the CardSavvy Optimizer

Learn More

Read our analysis of the Chase Sapphire Reserve and how it compares to other premium cards.

CSR vs. Amex PrimeCompare All Cards

This calculator provides estimates based on Chase's published CSR terms as of January 2026. Credit availability, multipliers, and terms may change. Credits have specific activation requirements and usage constraints. Not financial advice.