Chase Sapphire Reserve® Rewards Calculator
On a typical $2,400/month spending mix, the Chase Sapphire Reserve® earns about $408 a year — an effective 1.42% back. Its annual fee is $795.
Rate caveats: 8X Chase Travel.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 1x | $26 |
| Dining | $140 | 3x | $50 |
| Travel | $70 | 4x | $34 |
| Gas & transit | $100 | 1x | $12 |
| Online shopping | $120 | 1x | $14 |
| Streaming | $20 | 1x | $2 |
| Everything else | $530 | 1x | $64 |
| Total | $1,200 | 1.41% | $203 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 1x | $52 |
| Dining | $290 | 3x | $104 |
| Travel | $140 | 4x | $67 |
| Gas & transit | $190 | 1x | $23 |
| Online shopping | $240 | 1x | $29 |
| Streaming | $50 | 1x | $6 |
| Everything else | $1,060 | 1x | $127 |
| Total | $2,400 | 1.42% | $408 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 1x | $97 |
| Dining | $540 | 3x | $194 |
| Travel | $270 | 4x | $130 |
| Gas & transit | $360 | 1x | $43 |
| Online shopping | $450 | 1x | $54 |
| Streaming | $90 | 1x | $11 |
| Everything else | $1,980 | 1x | $238 |
| Total | $4,500 | 1.42% | $767 |
First-year value
$408 rewards + $1,000 welcome bonus (100,000 points, as of July 2026) − $795 fee = $613
Wondering if the $795 fee pays for itself? See the breakeven math.
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $408/yr with the Chase Sapphire Reserve® (1.42% back)
How it stacks up in premium
- Chase Sapphire Reserve®: $408/yr
- Hilton Honors American Express Aspire Card : $1,070/yr on the same spending
- Marriott Bonvoy Brilliant American Express Card : $628/yr on the same spending
- Citi Strata Elite℠ Card : $589/yr on the same spending
Source: 67.credit, “Chase Sapphire Reserve® Rewards Calculator”, rates verified 2026-07-28 — 67.credit/card/chase-sapphire-reserve/calculator