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Compare the Features and Benefits of JP Morgan Reserve Card and
Southwest Rapid Rewards® Premier 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
Free Checked Bags
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Trip Protections
Roadside Assistance
Travel and Emergency Assistance Services
No Fees for Authorized Users
No Foreign Transaction Fees
Free Access to Credit Score
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
Free Checked Bags
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Annual Fee
$99
Avg. Min. Credit Score
670-850
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2x Transit
2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn a $400 statement credit and 40,000 points after spending $3,000 on purchases in the first 4 months from account opening. (See Companion Pass Guide!)

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) 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

The Southwest Premier credit card is Southwest’s mid-tier personal card. It balances offering some perks while still charging less than a $100 annual fee.

Cardholders will be reimbursed for up to two EarlyBird Check-In purchases each year, get 25% back on inflight purchases on Southwest Airlines, plus get 6,000 bonus points each card anniversary.

Get a better boarding position using EarlyBird Check-Ins reimbursed by your Southwest credit card. Southwest Rapid Rewards® Premier Credit Card

The Southwest Premier Card offers some of the broadest spending bonus categories of any card with an annual fee under $100. Cardholders will earn 3x points on Southwest purchases and 2x points on Southwest Rapid Rewards hotel and car partners; local transit, commuting, rideshare; internet, cable, phone services, and select streaming services.

Points earned count toward earning the Southwest Companion Pass. Plus, primary cardholders earn 1,500 Tier Qualifying Points toward A-List Preferred Status for every $10,000 spent on the card each year.

The Southwest Premier Card doesn’t charge foreign transaction fees, unlike the Southwest Plus Card. Add in the higher earning rate on Southwest purchases, higher anniversary bonus, and ability to earn Tier Qualifying Points toward A-List Preferred Status, and the Premier Card easily justifies its $30 higher annual fee.

Lastly, this card is great for getting a good piece of the way to a Southwest Companion Pass with the bonus offer, since the signup bonus points count. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Free Checked Bags
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes

Learn more about these cards today

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