Select Page

JP Morgan Reserve Card

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.
Credit card

JP Morgan Reserve Card

Annual Fee:  $595

Bonus Offer: We don't know.... But if you qualify, you may not care.

Bonus Offer: We don't know.... But if you qualify, you may not care.

★ This card earns bonus points for spend in the following bonus categories:

Car Rentals3x
Other Travel3x

Card Features and Benefits:

    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. The annual fee is $45 higher on the JP Morgan 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 Card Points Earning Rate:

    • 10X total points on hotel stays and car rentals purchased through Ultimate Rewards
    • 10X Ultimate Rewards points on Lyft rides thrugh March 2025
    • 5X total points on air travel purchased through Ultimate Rewards
    • 3X Ultimate Rewards points on travel and dining
    • 10x total points on Chase Dining purchases through Ultimate Rewards (This is powered by Tock Dining and is only in select markets)
    • 1X points on all other purchases

    (This is the same as the Sapphire Reserve)

    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 (redeem points after your purchase or grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services.

    how to get a jp morgan reserve card
    The JP Morgan Reserve Credit 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.

JP Morgan Reserve Card

Offer: We don't know.... But if you qualify, you may not care.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
Sign up for the newsletter and you’ll never miss out again.

Meet Dave

MilesTalk - Dave GrossmanMilesTalk - book