No, the 7.5% figure comes from the 5X categories (INK Cash, Freedom) redeemed through the Chase Expedia portal at the Reserve nominal value 0.015/point. 5 X .015 = $0.075. If you substitute Sapphire Preferred or INK Preferred for Reserve it changes to 5 x 0.0125 = $0.0625. How much weight you would put on this depends on the amount of 5X spending you make -and- your willingness to redeem through the portal. If you transfer to airline or hotel programs there is no unique rewards advantage to Reserve.