Start with the inputs below
Move the sliders to match how you'd use the card. The numbers update in real time, and we'll tell you what they mean.
Where the value comes from
$795 annual fee
Welcome bonus
The biggest line item in Year 1. Worth nothing if you can't hit the $6,000 spend in 3 months.
125,000 points after $6,000 spend Year 1 only
$1,875
Will you hit the $6,000 spend in 3 months?
That's about $2,000/month. You can likely hit this with normal spending plus one or two planned purchases. If you can't, the card math gets a lot harder.
Yes, I can hit the spend
Point valuation
¢/pt
We start at 1¢, straight cash-back value. Frequent Miler's Reasonable Redemption Value for Chase points is 1.5¢, and careful redemptions through transfer partners or Points Boost can be worth more. Raise the number to see how much that's worth.
Statement credits
Easy money, but only if you'd use them. Sliders default to conservative estimates of what you're likely to capture. Move them up or down to match your situation.
Travel & hotel credits
$0
$300 annual travel credit / $300
$300
Auto-applies to almost any travel charge. The easiest credit to use.
$500 The Edit hotel credit / $500
$250
Two $250 credits per year on 2+ night prepaid stays at curated hotels. Includes free breakfast and a $100 property credit.
$250 IHG/Virgin/Pendry credit 2026 only
$125
One-time 2026 credit at IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific properties. Disappears in Year 2.
Dining & lifestyle credits
$0
$300 Exclusive Tables dining / $300
$150
$150 every six months at restaurants in Chase's curated OpenTable program. Realistic if you live near a major city.
$300 StubHub credit / $300
$0
$150 twice a year on tickets through StubHub or Viagogo. Easy if you go to a few concerts or games per year.
$420 DoorDash + DashPass / $420
$0
$300 in DoorDash promos ($25/month) plus $120 DashPass subscription. Worth what you'd pay for DoorDash, not the sticker price.
Subscriptions & services
$0
$250 Apple TV+ and Apple Music / $250
$100
Worth $250 only if you'd otherwise pay for both. Worth less if you already have them through someone else, or wouldn't pay full price.
$120 Lyft credit / $120
$60
$10/month auto-applies to Lyft rides. Easy to capture if you use Lyft. Skip it if you default to Uber.
$120 Peloton membership / $120
$0
Up to $120/year toward Peloton memberships. Niche benefit unless you already have a Peloton or app subscription.
Global Entry / TSA PreCheck $30/yr amortized
$30
$120 every 4 years. We're crediting $30/year so the value isn't lopsided to one year.
Yes, I'll use this (count $30/year)
Lounge access & status
$0
Priority Pass + Sapphire Lounges / visit
$200
Includes 2 guests. Conservatively valued at $50 per visit (food, drinks, quiet space). Set the slider to your lounge visits per year.
IHG Platinum Elite status / $50 estimate
$0
Bonus points, room upgrades, and late checkout when available. Modest value unless you stay at IHG often.
I stay at IHG sometimes (count $50)
Travel protections value
$0
Trip cancellation, trip delay, primary rental car coverage, lost luggage. Hard to price until you need it. We use $75/year as a conservative average.
Count $75/year for travel protections
Points you'll earn
Your annual spend in each category on this card. Conservative estimates beat fantasy ones.
Annual spend by category
$0
Direct flights & hotels 4x points
$0
Booked straight with airlines or hotels (often better for status, refunds, and elite benefits).
Dining worldwide 3x points
$0
Restaurants, takeout, delivery. Worldwide.
Credit cards can be more valuable than you think.
The calculator shows the ceiling. Whether you hit it depends on which cards you hold, how you redeem, and whether your setup matches your travel goals.
A free 30-minute call is more than enough time to figure out if the Reserve is the right move, and find the points you're leaving on the table right now.
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your next trip.