ResourcesCalculatorsChase Sapphire Preferred
Just Updated$95 Annual Fee

Is the Sapphire Preferred worth it for you?

Drag in your real annual spend. I'll do the points math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.

June 2026 Refresh Update

This calculator has been updated to reflect Chase's official June 2026 refresh of the Sapphire Preferred. Most changes — including the new Gas/EV, Vacation Rental, and Lyft categories and the doubled hotel credit — take effect June 15, 2026.

Sign-Up Bonus

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.

Current offer: typically 60,000 – 75,000 points after minimum spend
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Your Annual Spend
How you redeem points
Annual spend by category

Estimate what you charge to the card each year.

Must book via Chase Travel portal
$—
Through 9/30/2027
$—
Equipment & accessories over $150, through 12/31/2027
$—
Includes Chase Dining portal
$—
$—
Excludes Target, Walmart, and wholesale clubs
$—
$—
Airbnb, Vrbo, Plum Guide & more
$—
$—
$—
Card credits

Drag each slider to reflect how much of the credit you'd realistically use.

Book hotels through the Chase Travel Portal — auto-applied to your first $100+ booking each card year.
$/ $100 max
Once every 4 years, toward Global Entry, TSA PreCheck, or NEXUS.
$/ $120 max
One year free — activate through the Chase benefits portal by December 31, 2026.
$/ $120 max
Free DashPass membership through 12/31/2027 — no delivery fees on eligible orders.
$/ $240 max
$10/month off grocery, convenience, and pharmacy orders on DoorDash ($20 minimum).
$/ $120 max

Optional — enter a dollar value for any protection benefits you'd use.

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Net value after the $95 fee
$-95.00SKIP IT
Rewards earned$95 fee
Points earned / year0 pts
Rewards value$0.00
Annual fee−$95
Effective return on spend0.00%
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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.