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CardMath

Calculator

One scenario: Chase Sapphire Preferred

Example numbers. Change them to yours.

Chase Sapphire Preferred details

CardMath hasn’t verified this card’s current terms, so these are example numbers.

USD

What you expect to earn in rewards each year, in dollars. Not sure? Work it out from your spending under “See the details.”

USD

What the card charges each year. Enter 0 if none.

USD

Money back on your bill for specific purchases. Count only what you’d use. Enter 0 if none.

Enter every amount. Use 0 if it doesn’t apply.

See the details
How this card pays you

Points mode asks what one point is worth. Miles mode asks what one mile is worth.

Spending and rates

These rates are your estimates.

USD

Like groceries, dining, or gas, if this card pays more there.

%

Cash back as a percent of that spending, like 3%.

USD

Everything else you’d put on this card.

%

Cash back as a percent of everything else, like 1%.

USD

What the card charges each year. Enter 0 if none.

USD

Money back on your bill for specific purchases. Count only what you’d use. Enter 0 if none.

How this works

Yearly value after the fee is rewards on spending that earns extra, plus rewards on everything else, plus credits you’d actually use, minus the yearly card fee. Cash back rates are percents. Points and miles use what one point or mile is worth; the example uses 1 cent, so the result matches the cash-back example until you change it.

Switching how this card pays you keeps the rates you already entered for that choice. The first visit to points or miles loads an example. Caps, exclusions, and portal bonuses stay outside this worksheet.

The result describes these inputs. Read the method.

Example spending and rates

Yearly value after the fee

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Enter every amount. Use 0 if it doesn’t apply.

Rewards plus credits you’d use, minus the fee, under these numbers.

These rates are your estimates.