Skip to content

JP Morgan Reserve Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Made of a rare element, palladium, and one of the most exclusive upscale cards on the market that you can’t apply for. You’ll need an invitation to snag this $595-per-year card, and rumor has it you’ll need at least $10 million under JP Morgan’s asset management to get your hands on an invite.

Our rating
Credit range: Excellent
Annual Fee: $595

JP Morgan Reserve Card

Our rating
Excellent Credit range
$595 Annual Fee

Highlights & Features


  • 3X points per dollar on:
    • Travel (after the $300 credit is used)
    • Dining
  • 1X point per dollar on all other purchases


See Terms

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee 3%, $5 minimum


Penalty APR See Terms
Late Fee None
Returned Payment Fee None
Additional Cards Annual Fee None
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: None
  • Cash Advance Fee: None


Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Speak to Customer Service

1-877-242-7372 or

Try a different phone number
See all Issuer Cards
JP Morgan Reserve Card


  • 3X points per dollar spent on travel (after the $300 credit is used) 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
  • VIP sports and entertainment access
  • 24/7 direct access to customer service specialists
  • 1:1 point transfer
  • 1:1 point transfer between frequent travel programs
  • No foreign transaction fees
  • $595 annual fee

The JP Morgan Reserve Card, formerly the Chase Palladium Card, is similar to the Chase Sapphire Reserve®, but it is ONLY offered by invitation 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. You’ll earn 3X points per dollar on dining, and after you spend enough to meet your annual credit you’ll get 3X points per dollar on travel too. 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.