Hi Birdseye, I'm glad you like the sheet

Do make sure to read the comments I left in many of the cells; wherever you see a little orange triangle in a cell, you can mouse over it and read the comment. For Chase Sapphire, I'd written this: "Takes into account 1.25x point worth when redeeming via their travel agency, plus 7% point boost at year's end." To further clarify... if you have earned 10,000 points with your Chase Sapphire Preferred card, at the end of the year, you'll get a 7% bonus on those points (bringing the total to 10,700). And you can redeem that for $133.75 worth of airfare/hotel when booked through Chase's Ultimate Rewards travel agency. So actually, it should probably be 1.34% instead of 1.32, but it is possible I'm getting the math wrong.

re: the annual spend numbers... I just threw in samples: 20, 30, 40, 50K per year spend, so that people could get a sense for the comparative rewards at different spend levels.

Hope that helps!