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Chase Sapphire Preferred® Card Rewards Calculator

On a typical $2,400/month spending mix, the Chase Sapphire Preferred® Card earns about $535 a year — an effective 1.86% back. Its annual fee is $95.

Rate caveats: 5X Chase Travel.

Light spender — $1,200/month

CategoryMonthly spendRatePer year
Groceries$2203x$79
Dining$1403x$50
Travel$702x$17
Gas & transit$1003x$36
Online shopping$1201x$14
Streaming$203x$7
Everything else$5301x$64
Total$1,2001.86%$268

Typical spender — $2,400/month

CategoryMonthly spendRatePer year
Groceries$4303x$155
Dining$2903x$104
Travel$1402x$34
Gas & transit$1903x$68
Online shopping$2401x$29
Streaming$503x$18
Everything else$1,0601x$127
Total$2,4001.86%$535

Heavy spender — $4,500/month

CategoryMonthly spendRatePer year
Groceries$8103x$292
Dining$5403x$194
Travel$2702x$65
Gas & transit$3603x$130
Online shopping$4501x$54
Streaming$903x$32
Everything else$1,9801x$238
Total$4,5001.86%$1,004

First-year value

$535 rewards + $1,000 welcome bonus (100,000 points, as of July 2026) − $95 fee = $1,440

Wondering if the $95 fee pays for itself? See the breakeven math.

Try your own numbers

$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $535/yr with the Chase Sapphire Preferred® Card (1.86% back)

How it stacks up in travel rewards

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Source: 67.credit, “Chase Sapphire Preferred® Card Rewards Calculator”, rates verified 2026-07-28 — 67.credit/card/chase-sapphire-preferred/calculator