J.P. Morgan Reserve®
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How we calculate effective rate →
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.
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in travel and can earn 4% back. Travel perks may add value beyond the earn rate.
What does the J.P. Morgan Reserve earn in each category?
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how J.P. Morgan Reserve compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at 4x among the top bonus.
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how J.P. Morgan Reserve compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 4% back | 4% Top category |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back 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.
- 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 4% back. Best for spenders who put meaningful volume in travel and can earn 4% back. Travel perks may add value beyond the earn rate.
J.P. Morgan Reserve fits spenders who put meaningful volume in travel and can earn 4% back. 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 4% back. 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.
Pros
- Strongest Madeen category is travel at about 4% effective (4% back).
- 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.
Does the J.P. Morgan Reserve have an annual fee?
The J.P. Morgan Reserve has an annual fee of $795 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- 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 credit
Global 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 access
Enjoy 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?
$500 Southwest Airlines Credit
$500/yrGet a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
$300 Annual Dining Credit
$300/yrGet 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.
StubHub
$300/yrGet up to $300 in annual statement credits on concert and event tickets purchased on StubHub and viagogo
$250 Shops at Chase credit
$250/yrGet 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.
Apple TV+ and Apple Music
$250/yrComplimentary subscriptions to Apple TV+* and Apple Music through June 22, 2027, a value of $250 annually.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
$120 in Lyft credits
$120/yrGet access to up to $10 in monthly in-app credits, up to $120 annually, to use on Lyft rides through September 30, 2027.
Peleton
$120/yrGet up to $120 in annual statement credits towards Peloton memberships, including All-Access Membership, App One, App+, Guide or Strength+
Chase Sapphire Reserve Lounge Network
$99/yrEnjoy 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.
Roadside Assistance
$50/yrIf you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Trip Cancellation / Interruption
$35/yrWhen you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Auto Rental Coverage
$25/yrDecline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Related encyclopedia topics
- Visa
- Travel statement credit
- Dining credit
- $500 credit for stays with The Edit
- Rental car insurance
- Baggage protection
- Shopping and dining network perks
- Credit score monitoring
- Emergency Evacuation and Transportation
- Extended warranty
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
Common questions about the J.P. Morgan Reserve
Where do cardholders spend most with the J.P. Morgan Reserve?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (4x), lodging (4x), coffee (3x) for the J.P. Morgan Reserve. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the JP Morgan reserve card worth it?
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.
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure