JP Morgan Reserve Card

JP Morgan Reserve Card

For People with
Excellent Credit



The J.P. Morgan Reserve Card, formerly the Chase Palladium Card, is similar to the Chase Sapphire Reserve®, but it is ONLY offered to JP Morgan Private Client customers. You can’t apply for the card directly.

You can take advantage of a $300 annual travel credit reimbursement for all travel expenses charged to your card. After you spend enough to meet your annual credit, you’ll get 3X points per dollar on worldwide travel and dining. For all other purchases, 1X point per dollar.

You’ll get 50% more value from point rewards when you redeem through Chase Ultimate Rewards. You can redeem points for airfare, hotels, car rentals, and cruises. If you redeem 50,000 points, they’re worth $750 in travel rewards.

This card has a $595 annual fee, and in order to get an invite we suspect you must have at least $10 million under JP Morgan’s Private Bank asset management.

This card is made of a rare chemical element, palladium, and is considered one of the most exclusive luxury credit cards to have.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar spent on worldwide travel and dining
  • 1X point per dollar spent on all other purchases
  • Points redeemed for travel rewards are worth 50% more
  • $300 annual travel reimbursement credit
  • Points don’t expire as long as your account is open and in good standing
  • Unlimited points
  • VIP sports and entertainment access
  • 24/7 direct access to customer service specialist
  • 1:1 point transfer
  • Points can be transferred between frequent travel programs like Hyatt Gold Passport® and The Ritz-Carlton Rewards® programs
  • If $100,000 is spent in one year and an additional purchase is made, 35,000 bonus points are awarded
  • No foreign transaction fees
  • $595 annual fee
JP Morgan Reserve Card

For People with
Excellent Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3X points per dollar spent on worldwide:
    • Travel
    • Dining
  • 1X point per dollar spent on all other purchases

Yearly Bonus

  • $300 annual travel reimbursement credit

Redemption Bonus

  • Points redeemed for travel rewards are worth 50% more
Card Stats

Card Stats

Annual Fee $595
Additional Cards Annual Fee -
Regular Purchase APR -
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee -
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee None

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $300 Annual Travel Credit

    Get a $300 annual travel credit reimbursement for travel purchases.

  • Complimentary Airport Lounge Access

    After card approval you are automatically enrolled in a Priority Pass Select Membership, which includes access to over 1200 airport lounges worldwide.

  • 1:1 Point Transfer

    Redeem your points at a 1:1 rate with a variety of airline and hotel loyalty programs.

  • Benefits at Relais & Chateaux Luxury Hotels

    Including room upgrades and other special privileges, like complimentary breakfasts where available and accelerated progress towards Club 5C member status.

  • Global Entry or TSA Pre✓

    Apply for Global Entry ($100) or TSA Pre✓ ($85) with your card to get a statement credit for the application fee once every 4 years. These services provide expedited screening at certain airports.

  • Luxury Hotel & Resort Collection

    Exclusive invitations to fascinating events and experiences, from services like the Luxury Hotel and Museum collections.

  • Special Car Rental Privileges

    Enjoy discounts on premium and luxury rentals, free upgrades, and promotions when you enroll in rewards programs from National Car Rental, Avis, and Silvercar.

  • VIP Access to Events & Experiences

    Provides exclusive access to sports, entertainment and dining experiences.

  • Customer Service Specialist

    Get 24/7 access to a customer service specialist, just call the number on the back of your card.

  • Worldwide Travel Assistance

    Get help with booking travel or accommodating reservations on Chase Ultimate Rewards.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Fraud Protection

    Transactions are monitored in real-time.

  • Fraud Alerts

    Your account is monitored 24/7 and you’ll receive a call if there is any unusual activity on your account.

  • Purchase Protection

    Provides coverage for 90 days against theft and damage.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by 1 year, for warranties of 3 years or less.

  • Return Protection

    Get extra return protection any time you make an eligible purchase of an item up to $250. If you’re dissatisfied with your product within 90 days and the merchant will not accept a return, Visa can help.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Travel Accident Insurance

    Provides automatic accident insurance for the cardholder and his or her family, up to $1,000,000.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement for non-refundable costs.  Eligible reasons include severe weather and sickness.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, you get reimbursed.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Baggage Delay Insurance

    Reimbursement for essential purchases for baggage delays over 6 hours by passenger carrier, up to $100 per day for 5 days.

  • Trip Delay Reimbursement

    Up to $500 per ticket, you and your family are covered for unreimbursed expenses when common carrier is delayed more than 6 hours.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You’re covered up to $50 per incident and 4 times per year.

  • Emergency Evacuation & Transportation

    Covers the cost of emergency medical evacuations for you and your family (up to $100,000).

  • Emergency Medical & Dental

    When over 100 miles away from home, you can be reimbursed up to $2,500 if you or your family gets sick or injured.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
6 Best Credit Cards for International Travel
Susan Shain | Aug 16, 2019

Heading abroad soon? Then check out this list of the six best credit cards for international travel — they'll have you traveling in style in no time.

Read More
Sean Messier
How to Build Credit: 5 Ways to Increase Your Credit Scores
Sean Messier | Aug 15, 2019

Using a credit card is far from the only way to build credit. Here, we explore several ways to establish, repair, and improve your credit scores.

Read More
Sean Messier
What Happens If You Don’t Activate a Credit Card?
Sean Messier | Aug 12, 2019

Even if you didn't activate a new credit card, the account is probably open and affecting your credit scores. Read this to learn what to do next.

Read More