Compare the Features and Benefits of JP Morgan Reserve Card and
Citi® / AAdvantage® Platinum Select® World Elite MasterCard

If you are looking for a review of the JP Morgan Reserve card, you’re in the right spot.

However, it may be more elusive than you think….

What is the JP Morgan Reserve card?

Formerly known as the JP Morgan Palladium card, this unbelievably heavy metal credit card is now known as the JP Morgan Reserve card.

In the travel rewards credit card space, this is the equivalent of the famous American Express Black (Centurion) Card.

In nearly every way but the design and rarity, this card is the same as the Chase Sapphire Reserve.

One big difference?

The JP Morgan Reserve card includes an annual United Club membership.  

So in some ways, the JP Morgan Reserve card combined the best features of the Chase Sapphire Reserve and the United Club Infinite Card.

The annual fee is the same as the Sapphire Reserve as well.

How Do You Get a JP Morgan Reserve Card?

This card is available to Chase Private Bank clients, only. That means you will need over 10 Million dollars in assets with Chase.

Now, you may know someone with one of these cards that doesn’t have $10 million with Chase. That would be because when it was the Palladium card, mere Chase Private Client customers could apply. But no longer…

JP Morgan Reserve Benefits:

• United Club annual membership
• Primary car rental CDW coverage for rental cars.
• Priority Pass Select airport lounge access is included for the cardholder and up to two guests. This means that every time you visit a Priority Pass airport lounge, the cost of entry is included.  More info on Priority Pass.
• $100 credit for enrollment in Global Entry or PreCheck once every 5 years.
• $300 travel credit each year, credited automatically, as you spend on any travel.
• No foreign transaction fees.
• Pay Yourself Back (when available; categories subject to change)

JP Morgan Reserve  / Lyft Benefits

• Earn 10X Ultimate Rewards points on Lyft rides through March 2025
• Get a one-time complimentary Lyft Pink subscription (15% Lyft discounts, free bike/scooter rentals each month, and better cancellation rules) for 2 years if you activate by Dec 2024.

DoorDash Benefits

• Complimentary DashPass from DoorDash: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a J.P. Morgan Reserve card by 12/31/2024.
• Earn $5 monthly DoorDash Credits through 12/31/2024

Can you Product Change from a Chase Sapphire Reserve to a J.P. Morgan Reserve?

No. sorry.

The Bottom Line on the JP Morgan Reserve

If you are reading this, the odds are that you can’t get a JP Morgan Reserve card. If you do have the $10 million in assets with Chase, just give your Private Banker a call!

Otherwise, you may need to look at applying for the Chase Sapphire Reserve instead…   for now.

Citi® / AAdvantage® Platinum Select® World Elite MasterCard is the perfect card for travelers that even periodically fly American. For a $99 annual fee (waived the first year), cardholders and travelers on the same reservation enjoy preferred boarding, a free checked bag on American Airlines flights, and 25% savings on inflight food and beverage purchases.

Cardholders earn 2x American Airlines AAdvantage® bonus miles at restaurants and gas stations and on eligible American Airlines purchases. All other eligible purchases earn 1x AAdvantage® miles per eligible dollar spent.

Each dollar spent on an American Airlines credit card earns 1 Loyalty Point. That means cardholders can earn elite status in the AAdvantage program just by spending on the AAdvantage® Platinum Select card. For example, you can earn AAdvantage® Gold elite status with just $40,000 in purchases on the card in a year.

Note that the sign up bonus and spending category bonuses count as American Airlines AAdvantage® bonus miles. That means you won’t earn Loyalty Points on these AAdvantage® bonus miles. As an example, if you spend $5,000 at gas stations in a year, although you’ll earn 10,000 AAdvantage® miles on these purchases, it will only count as 5,000 Loyalty Points.

American Airlines currently charges $40 for a first checked bag on domestic itineraries. Considering you and up to four travel companions can check a bag for free, this one credit card perk can save you up to $400 per round-trip flight. The catch is that this perk only is offered on domestic flights. Unfortunately, cardholders can’t check a bag for free on American Airlines international flights.