J.P. Morgan Reserve®
The J.P. Morgan Reserve® from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the J.P. Morgan Reserve earn in each category?
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 4x points | 4% Top category |
| Other General everyday spend | 1x points | 1% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the J.P. Morgan Reserve reward caps and conditions?
The J.P. Morgan Reserve has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 4x points on flights purchased direct
- 3x points on dining worldwide
- 4x points on hotels purchased direct
Who should get the J.P. Morgan Reserve?
The J.P. Morgan Reserve fits spenders who put meaningful volume in travel and can earn 4x points. Best for spenders who put meaningful volume in travel and can earn 4x points. Travel perks may add value beyond the earn rate.
J.P. Morgan Reserve fits spenders who put meaningful volume in travel and can earn 4x points. Madeen ranks its travel effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 4x points. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is travel at about 4% effective (4x points).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $795 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Chase Ultimate Rewards value depends on how you redeem, not straight cash back.
Does the J.P. Morgan Reserve have an annual fee, and what's the welcome bonus?
The J.P. Morgan Reserve has an annual fee of $795 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $795
- Foreign transaction fee
- None
What travel perks does the J.P. Morgan Reserve include?
The J.P. Morgan Reserve includes Trusted traveler credit, Lounge access, $120 in Lyft credits, $250 Shops at Chase credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditGlobal Entry or TSA PreCheck® or NEXUS Fee Credit - Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- Lounge accessEnjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
What benefits come with the J.P. Morgan Reserve?
- $120 in Lyft credits
Get access to up to $10 in monthly in-app credits, up to $120 annually, to use on Lyft rides through September 30, 2027.
- $250 Shops at Chase credit
Get up to $250 in statement credits on purchases through The Shops at Chase after you spend $75,000 on your Sapphire Reserve card each calendar year.
- $300 Annual Dining Credit
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of the Sapphire Reserve Exclusive Tables program.
- $500 credit for stays with The Edit
Get up to $250 in statement credits from January through June, and again from July through December for a maximum of $500 annually for prepaid bookings made with The Edit.
- $500 Southwest Airlines Credit
Get a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
- A-List Status with Southwest Airlines
Get Southwest A-List status after you spend $75,000 on your Sapphire Reserve card each year.
- Apple TV+ and Apple Music
Complimentary subscriptions to Apple TV+* and Apple Music through June 22, 2027, a value of $250 annually.
- Auto Rental Collision Damage WaiverIncluded with Visa Infinite®
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Common questions about the J.P. Morgan Reserve
Does the J.P. Morgan Reserve have an annual fee?
The J.P. Morgan Reserve carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the J.P. Morgan Reserve?
Travel is the strongest Madeen category for the J.P. Morgan Reserve at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the J.P. Morgan Reserve charge foreign transaction fees?
The J.P. Morgan Reserve does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the J.P. Morgan Reserve annual fee worth it?
Whether the $795 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the J.P. Morgan Reserve?
Madeen's catalog lists a typical credit range of Excellent for the J.P. Morgan Reserve. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the J.P. Morgan Reserve?
Rewards on the J.P. Morgan Reserve post as Chase Ultimate Rewards. Redemption value depends on how you use Chase Ultimate Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the J.P. Morgan Reserve compare to similar cards?
Compare the J.P. Morgan Reserve against Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); Sapphire Reserve for Business℠ Credit Card (4% on Travel, $795 fee); British Airways Visa Signature Credit Card (2.5% on Travel, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
J.P. Morgan Reserve This card | Travel | 4% | $795 |
| Travel | 4% | $795 | |
| Travel | 4% | $795 | |
| Travel | 2.5% | $95 | |
| Travel | 2.4% | $450 |
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