J.P. Morgan Reserve Card
By Alex Compton · Last verified
A palladium-faced Sapphire Reserve for J.P. Morgan Private Bank clients. Same benefits, heavier metal.
Welcome Bonus
Invite
Private Bank clients only, no public offer
Spend Requirement
None
Annual Fee
$795
No FTF
Credit Score
740+
(Excellent), Private Bank relationship required
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedPrivate Bank clients only | Archive record · no attached snapshot |
| 2020-01 | 0 | No recorded spend | Earliest recordNever carries a public sign-up bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Reconfirmed invite-only status for J.P. Morgan Private Bank clients; no public offer, terms unchanged
Chase J.P. Morgan Reserve product page → - unavailable
Official Chase product page now returns 404 and no official J.P. Morgan page publishes current terms; record left unchanged
Chase J.P. Morgan Reserve product page → - unavailable
Chase product URLs 404 and no J.P. Morgan page publishes current Reserve terms; record left unchanged
J.P. Morgan Reserve product page →
Source checked 2026-10-19 · spot an outdated offer? Report a correction above.
Earning Rates
- 8xChase Travel purchases
- 4xFlights and hotels booked direct
- 3xDining worldwide
- 1xAll other purchases
Credits ($1,520/yr stated)
- Travel credit$300
Automatic, any travel purchase
- The Edit hotel credit$500
$250 Jan to Jun plus $250 Jul to Dec
- Dining credit$300
$150 semiannually at Exclusive Tables restaurants
- StubHub / viagogo credit$300
$150 semiannually
- Lyft credit$120
$10 monthly in-app credit
Benefits
- ✦Requires a J.P. Morgan Private Bank relationship, typically $10M+ in assets
- ✦Solid palladium and brass card body
- ✦Full Sapphire Reserve benefit stack: lounges, Points Boost, travel protections
- ✦Priority Pass Select plus Chase Sapphire Lounge access
- ✦Dedicated Private Bank service line
- ✦1:1 transfers to Hyatt, United, Southwest and more
Lounge Access
This card opens 2 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Heaviest card in circulation and an unmistakable status signal
- +Every CSR credit and protection carries over
- +Private Bank service tier handles issues instantly
Where it costs you
- −No sign-up bonus, ever
- −Requires roughly $10M with J.P. Morgan to qualify
- −Zero earning or redemption advantage over the $795 CSR
The Compound Verdict
Strip away the palladium and this is a Sapphire Reserve with a better concierge. Nobody qualifies for this card because of the rewards math, and nobody should pretend otherwise. It is a status artifact that happens to come with an excellent travel card attached.
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