J.P. Morgan Reserve®
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How we calculate effective rate →
The J.P. Morgan Reserve® from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795.
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in travel and can earn 4% back. Travel perks may add value beyond the earn rate.
What does the J.P. Morgan Reserve earn in each category?
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how J.P. Morgan Reserve compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at 4x among the top bonus.
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how J.P. Morgan Reserve compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 4% back | 4% Top category |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the J.P. Morgan Reserve reward caps and conditions?
The J.P. Morgan Reserve has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4x points on flights purchased direct
- 3x points on dining worldwide
- 4x points on hotels purchased direct
Who should get the J.P. Morgan Reserve?
The J.P. Morgan Reserve fits spenders who put meaningful volume in travel and can earn 4% back. Best for spenders who put meaningful volume in travel and can earn 4% back. Travel perks may add value beyond the earn rate.
J.P. Morgan Reserve fits spenders who put meaningful volume in travel and can earn 4% back. Madeen ranks its travel effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 4% back. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is travel at about 4% effective (4% back).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $795 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the J.P. Morgan Reserve have an annual fee?
The J.P. Morgan Reserve has an annual fee of $795 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
What travel perks does the J.P. Morgan Reserve include?
The J.P. Morgan Reserve includes Trusted traveler credit, Lounge access, $120 in Lyft credits, $250 Shops at Chase credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Global Entry or TSA PreCheck® or NEXUS Fee Credit - Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Lounge access
Enjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
What benefits come with the J.P. Morgan Reserve?
Extended Warranty
$10,000/yrExtends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Purchase Protection
$10,000/yrCovers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Trip cancellation and Interruption Insurance
$10,000/yrIf your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
DoorDash
$3,600/yrUp to $300 annually in monthly DoorDash promos. Get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders and more.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrYou can be reimbursed for eligible items that the store won’t accept within 90 days of purchase, up to $500 per item and up to $1,000 total per 12-month period.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
$500 credit for stays with The Edit
$500/yrGet up to $250 in statement credits from January through June, and again from July through December for a maximum of $500 annually for prepaid bookings made with The Edit.
$500 Southwest Airlines Credit
$500/yrGet a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
Related encyclopedia topics
- Visa
- Travel statement credit
- Dining credit
- $500 credit for stays with The Edit
- Rental car insurance
- Baggage protection
- Shopping and dining network perks
- Credit score monitoring
- Emergency Evacuation and Transportation
- Extended warranty
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
Common questions about the J.P. Morgan Reserve
Where do cardholders spend most with the J.P. Morgan Reserve?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (4x), lodging (4x), coffee (3x) for the J.P. Morgan Reserve. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the JP Morgan reserve card worth it?
The J.P. Morgan Reserve® from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795.
Does the J.P. Morgan Reserve have an annual fee?
The J.P. Morgan Reserve carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the J.P. Morgan Reserve?
Travel is the strongest Madeen category for the J.P. Morgan Reserve at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the J.P. Morgan Reserve charge foreign transaction fees?
The J.P. Morgan Reserve does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the J.P. Morgan Reserve annual fee worth it?
Whether the $795 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the J.P. Morgan Reserve compare to similar cards?
Compare the J.P. Morgan Reserve against Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); Sapphire Reserve for Business℠ Credit Card (4% on Travel, $795 fee); British Airways Visa Signature Credit Card (2.5% on Travel, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
J.P. Morgan Reserve This card | Travel | 4% | $795 |
| Travel | 4% | $795 | |
| Travel | 4% | $795 | |
| Travel | 2.5% | $95 | |
| Travel | 2.4% | $450 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure