J.P. Morgan Reserve Card
A $795-a-year travel rewards card from Chase.
Rates, fees, and full terms are set by Chase and can change; check Chase’s official terms for current rates and fees before applying.
Is this card right for you?
people who spend heavily on dining and travel and want travel rewards they can grow.
you will not use enough of its perks and credits to cover the $795 annual fee.
Earning rates
Best ways to earn & redeem
Put your dining and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Lounge access
Statement credits
Transfer partners
Your Ultimate Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:
Airline partners
United Airlines, Southwest Airlines, British Airways, Air France/KLM, Singapore Airlines, Air Canada, Virgin Atlantic
To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.
Hotel partners
You can check the live points price for a specific stay on rooms.aero.
See the full Chase ecosystem, card lineup, and live transfer bonuses →
Alternatives to the J.P. Morgan Reserve Card
Pairs well with
The J.P. Morgan Reserve Card is a Chase transfer hub. Pair it with these strong Ultimate Rewards earners, whose points pool into it so you can transfer the combined balance.
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How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the J.P. Morgan Reserve Card lands.
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