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J.P. Morgan Reserve Card
Chase

J.P. Morgan Reserve Card

Transfers to airlines & hotels
Annual fee
$795/yr
Welcome bonus
Not available — invitation only (J.P. Morgan Private Bank clients)
Min spend
N/A
Recommended credit
By invitation (Private Bank clients)
Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 10, 2026. How we verify.

Earning rates

10x Ultimate Rewards points on hotels and car rentals booked through Chase Travel
5x on flights booked through Chase Travel
3x on all other travel and dining worldwide
1x on all other purchases

Features & benefits

Potential invite requirements: a J.P. Morgan Private Bank relationship, generally around $10 million or more in investable assets managed with the firm (ultimately at the bank's discretion)
$300 annual travel credit (auto-applied to travel purchases)
Metal palladium-and-gold card
Global Entry, TSA PreCheck, or NEXUS application fee credit
1:1 point transfer to Chase airline and hotel partners
No foreign transaction fees

Lounge access

Priority Pass Select: unlimited visits to 1,300+ airport lounges worldwide (lounge access only)
Access to Chase Sapphire Lounge by The Club locations
Up to 2 guests free, then a per-guest fee

Statement credits

$300 annual travel credit (auto-applied)
Global Entry, TSA PreCheck, or NEXUS application fee credit

Transfer partners

Your Ultimate Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

United Airlines, Southwest Airlines, British Airways, Air France/KLM, Singapore Airlines, Air Canada, Virgin Atlantic

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

World of Hyatt

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full Chase ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the J.P. Morgan Reserve Card lands.

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