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Compare the Features and Benefits of JP Morgan Reserve Card and
Hilton Honors Surpass® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Grants Hotel Status
Annual Statement Credits
Grants Car Rental Status
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Fees for Authorized Users
No Foreign Transaction Fees
Amex Offers
Annual Fee
$550
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Lyft
3x Airfare
3x Transit
3x Car Rentals
3x Dining Out / Food Delivery
3x Hotels
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
We don't know.... But if you qualify, you may not care.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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)

how to get a jp morgan reserve card

 

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.

Read more
Unique Card Benefits
no
Grants Hotel Status
no
Annual Statement Credits
no
Grants Car Rental Status
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Amex Offers
no
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

6x Gas Stations

U.S. gast stations

6x Dining Out / Food Delivery

U.S. dining, including takeout and delivery

6x Groceries

U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

4x Online Retail Shopping

U.S. Online Retail Shopping

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With a relatively low $150 annual fee, The Hilton Honors American Express Surpass Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

Waldorf Astoria Pedregal – Cabo, Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select categories in the US: gas stations, gas, and groceries. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Surpass Credit Card dining bonus category
The Hilton portfolio also has some amazing hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. You can get value of rooms that sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.
While we don’t recommend the Hilton Honors Surpass card as your only credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the Hilton Honors Surpass® Credit Card

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Amex Offers
yes

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