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Compare the Features and Benefits of JP Morgan Reserve Card and
World of Hyatt Business 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
Primary Car Rental CDW Waiver
Annual Statement Credits
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
No Fees for Authorized Users
Travel and Emergency Assistance Services
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
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Grants Hotel Status
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Does Not Report Credit Line to Personal Credit Profile
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Travel and Emergency Assistance Services
no
Annual Fee
$199
Avg. Min. Credit Score
670-850
Ongoing APR
20.99%-27.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
4x Hotels

Only at Hyatt family hotels booked directly. 1X on other hotels.

2x Airfare

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Transit

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Car Rentals

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Cable / Internet / VOIP Phone

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Gas Stations

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Cellular Phone Service

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Dining Out / Food Delivery

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Advertising on Search Engines and Social Media

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Shipping

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Gym Memberships
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.18) 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 World of Hyatt business credit card is literally packed with reasons to have it. To me, the main reason is that you can use your business spending to earn elite night credits. For someone that values Globalist status (which is often referred to as the best top tier status of any US hotel chain – with good reason!) and has business with high spend, the ability to earn 5 elite night credits per $10,000 in spend is great.

Keep in mind you’ll also earn 4X World of Hyatt points per dollar spent at Hyatt properties and then 2 points per $1 spent for the top two of the following eight spend categories you spend on each calendar quarter —with no cap: dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping.

If you spend a lot on those categories, your $10,000 in spend earns you 20,000 World of Hyatt points (worth about $340 using our own valuations of points and miles) as well as 5 elite status qualifying nights.

One thing to note is that there are other Chase credit cards that earn better for some of the above categories. For instance the Chase Ink Business Preferred earns 3X Chase Ultimate Rewards (which transfer back to the World of Hyatt program 1:1) on all travel (beating 2X on the World of Hyatt Business card for airline and car rental spend) and 3X on internet, cable and phone services; social media and search engine advertising; and shipping. However, that caps out at $150,000 in combined total spend whereas the World of Hyatt business credit card has no cap. You could spend $500,000 on these (top two each quarter, remember) and earn a whopping million points whereas you’d earn significantly less on the Chase Ink Business Preferred due to the $150,000 cap. Basically, you can earn a ton of Hyatt bonus points!

social-media-world-of-hyatt-business-credit-card

Beyond that, this card offers automatic Hyatt status in the form of Discoverist status. While it’s the lowest elite tier in the World of Hyatt program, it normally would take 10 nights to earn and still offers some nice perks such as premium Internet, complimentary bottled water, a preferred room within your booked category, the ability to earn 1 American Airlines AAdvantage mile per $1 spent at Hyatt (in addition to your Hyatt points), and a 2pm checkout (based on availability). Not only that, but you can “gift” this same Discoverist Hyatt status to up to five employees as well.

And don’t forget, this card gives you access to the Hyatt Leverage program. Hyatt Leverage provides your company with a discount code for stays at a Hyatt property, just like big corporations get! I have personally saved significant money using my own Hyatt Leverage discount.

Another great benefit of this card is the primary car rental CDW / LDW coverage as long as the rental is for business purposes. I really love credit cards with primary CDW insurance because you know you won’t have to involve your personal insurance, potentially owing a deductible, if something happens. I once had a Jaguar I rented from Hertz get keyed in a parking lot and Chase took care of it 100%.

It’s also got some nice protections for items you purchase, with both Purchase Protection (theft or damage to a newly purchased item) and Extended Warranty.

All in all, the World of Hyatt Business credit card is an incredibly well rounded card for those that are loyal to Hyatt and, by extension, the World of Hyatt loyalty program.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Travel and Emergency Assistance Services
yes

Learn more about these cards today

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