VisaJ.P. Morgan Reserve Card
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.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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
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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