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J.P. Morgan Reserve Card

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You can not apply for this card directly, it’s available by invitation only. Made of a rare element, palladium, and one of the most exclusive upscale cards on the market, this card has a $595 annual fee. Rumor has it you’ll need at least $10 million under J.P. Morgan’s asset management to get your hands on an invite. Check out other heavy credit cards you can actually get apply for here.

CONSIDER AN ALTERNATIVE Best Rewards Credit Cards Metal Credit Cards You Can Get Right Now Heaviest Credit Cards: 2021

Since you can’t apply for the JP Morgan Reserve card directly, consider some of these other options.

Our rating
Min. credit level: Excellent
Annual Fee: $595
Regular APR: See Terms

J.P. Morgan Reserve Card

Our rating
Excellent Min. credit level
$595 Annual Fee
Read Our Review

Highlights & Features


  • 10X points per dollar on Lyft rides
  • 3X points per dollar on:
    • Travel (after the $300 credit is used)
    • Dining
  • 1X point per dollar on all other purchases
Introductory Bonus
  • See Terms

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card


Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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 N/A
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
J.P. 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


Chase has several card types depending on your needs.

Speak to Customer Service

1-877-242-7372 or

Try a different phone number
See all Issuer Cards

The J.P. Morgan Reserve Card, formerly the Chase Palladium Card, is similar to the Chase Sapphire Reserve®, but it is ONLY offered by invitation to J.P. 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 J.P. 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.

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