Credit Cards

J.P. Morgan Reserve Card review: a top-tier card

In this J.P. Morgan Reserve Card review you will learn about this exclusive, invite-only card, which earns points at a high rate.


This invite-only credit card is an exclusive product for wealthy individuals

J.P. Morgan Reserve Card
Just a few individuals can get this credit card. Are you one of those? Source: The Post New.

Although this is a unique card for people who have J.P. Morgan’s private bank managing at least $10 million of their assets, it falls short on benefits. This is our J.P. Morgan Reserve Card review.

J.P. Morgan Reserve Card

How to get your J.P. Morgan Reserve Card

This J.P. Morgan Reserve Card application guide will take you through the application process for this exclusive, invite-only card.

  • Credit Score: Excellent
  • APR: N/A
  • Annual Fee: $595
  • Fees: N/A
  • Welcome bonus: N/A
  • Rewards: 3X points on travel right after earning your $300 annual travel credit. 3X points at restaurants. 1X points on all other purchases.

Besides being made out of a rare chemical element known as palladium, this card does not offer any special benefits.

It does feature a set of attractive benefits and features. However, it serves much more as a status symbol than a card known for its benefits.

J.P. Morgan Reserve Card: how does it work?

To get an invitation to the J.P. Morgan Reserve Card, you must have a minimum of $10 million in assets under J.P. Morgan’s private bank management.

This card allows you to earn points at a high rate on travel, giving you 3X points as soon as you earn your $300 annual travel credit.

In addition, it gives you 3X points per dollar at restaurants and 1X points per dollar on all other purchases.

The card also features a complimentary Doordash DashPass subscription.

Plus, you will get comprehensive travel insurance coverage since this is a travel card. This includes trip cancellation and trip interruption insurance.

You can redeem your points for Sapphire Private Dining Series events, outdoor seating reservations, dining, and more.

Additionally, the card provides you with primary rental car insurance and Priority Pass lounge access.

You’ll also get a $100 statement credit for TSA Precheck or Global Entry and access to Chase-hosted VIP events and experiences.

Of course, a card like this has to come with a 0% foreign transaction fee and allow you to transfer points to several Chase Ultimate Rewards travel partners.

Travel partners include Air Canada, Air France/KLM Flying Blue, Aer Lingus, British Airways Executive Club, and more.

They also include hospitality brands such as World of Hyatt, Marriott Bonvoy, and more.

Significant benefits and disadvantages you may find

business man has J.P. Morgan Reserve Card
If you have at least $10 million in assets with J.P. Morgan, you can get this credit card. Source: Canva.

Now you are familiar with this card’s details. However, our J.P. Morgan Reserve Card review would not be complete without comparing this card’s pros and cons.

Check out the benefits and disadvantages list we have prepared for you below.


  • High earnings rate on purchases
  • Transferable points
  • Status symbol
  • 0% foreign transaction fee


  • Charges an annual fee
  • Does not offer a welcome bonus
  • Not all purchases earn rewards
  • Does not report to credit bureaus

Is a good credit score required for applicants?

The J.P. Morgan Reserve Card is a top-tier card designed for wealthy individuals. Hence, it does require you to have an Excellent credit score to apply.

Learn how to apply and get a J.P. Morgan Reserve Card

If you like what you have seen in this J.P. Morgan Reserve Card review, you might want to take the next step and apply for this card.

In the link below, we have prepared a step-by-step guide to the application process. Click on it, and we will show you how to do it.

J.P. Morgan Reserve Card

How to get your J.P. Morgan Reserve Card

This J.P. Morgan Reserve Card application guide will take you through the application process for this exclusive, invite-only card.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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