Chase Point Calculator
Chase Points Calculator (2026 Program)
Chase moved to the Points Boost model in 2026, so your points are worth different amounts depending on your card. Pick your card, enter your balance, and see the cash, portal, and transfer values side by side.
How fast will you earn?
Enter monthly spend by category. Multipliers follow the card you picked above.
Reverse check: is this redemption a good deal?
Found a flight or hotel priced in points? Enter the cash price and the points asked to see the true cents-per-point, and whether it beats your card’s portal ceiling.
How to use this calculator
Select your Chase card first, because the 2026 Points Boost model gives each card a different portal ceiling: up to 2.0¢ per point on the Sapphire Reserve, up to 1.75¢ on the Sapphire Preferred and Ink Business Preferred, and up to 1.1¢ on the Freedom cards. Enter your points balance, pick a redemption method, and press Calculate. Add your monthly dining, travel, and other spend to see how many points you earn per month and year at your card’s multipliers. The reverse check at the bottom tells you whether any points-priced booking is actually a good deal.
Worked example, checked against this exact tool
50,000 points on the Sapphire Preferred, redeemed through Chase Travel with a Points Boost offer.
- Card ceiling: 1.75¢ per point.
- Value = 50,000 x $0.0175 = $875.00.
- Same balance at the 1.0¢ cash floor = $500.00; at a 2.0¢ transfer sweet spot = $1,000.00.
Earnings example, verified in the tool: $400/mo dining, $600/mo travel, $1,000/mo other on the Sapphire Preferred (3x dining, 2x travel, 1x other) earns 400×3 + 600×2 + 1,000×1 = 3,400 points per month, or 40,800 per year, worth $714.00 at the 1.75¢ ceiling.
What competing calculators miss
Several top-ranking Chase calculators still use the pre-2026 fixed portal rates, which overstate or understate value now that Points Boost sets card-specific ceilings. Others quote a single “average” point value with no card selector, even though a Freedom card and a Sapphire Reserve value the same balance very differently. None of the top tools we checked combine the balance valuation, card-specific earning multipliers, and a reverse cents-per-point deal check in one place, so users have to visit three pages to answer one question: is this redemption worth it.
Frequently asked questions
How much is one Chase point worth in 2026?
At least 1.0¢ (cash back, gift cards, statement credit). Through Chase Travel with a Points Boost offer: up to 1.1¢ on Freedom cards, up to 1.75¢ on the Sapphire Preferred and Ink Business Preferred, and up to 2.0¢ on the Sapphire Reserve. Transfers to airline and hotel partners can exceed 2¢ at sweet spots.
What is Points Boost?
Points Boost replaced the old fixed portal redemption rates. Only flights and hotels marked with a boost offer in Chase Travel return more than a cent per point; the ceiling depends on your card. Non-boost portal bookings earn 1.0¢.
Should I transfer points or use the portal?
Run both numbers. A boost-eligible booking at your card’s ceiling is simple and certain; transfers to partners like World of Hyatt or Aeroplan can reach 2¢ or more per point but depend on award availability. Use the reverse check above to price any specific booking.
What about legacy Sapphire Reserve points?
Points earned before the 2025 program update on legacy Sapphire Reserve accounts (opened before June 2025) keep a flat 1.5¢ portal rate until October 26, 2027. This calculator uses current program ceilings; check your account for grandfathered balances.
Is paying with points on Amazon a good deal?
No. Amazon checkout with points returns about 0.8¢ per point, below the 1.0¢ cash floor. Take the cash back instead.