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Chase

J.P. Morgan Reserve

Annual fee
$795
Network
visa
Type
personal

Cardholders earn 10x points on hotels and car rentals booked through Chase, 3x points on travel and dining worldwide, and 1x points on all other purchases.

Chase J.P. Morgan Reserve

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$2,220

What the issuer advertises.

02Realistic
$1,050

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$1,170 of the advertised value — 53% — comes with strings attached.

Why Perqt says this
  • $2,220 advertised across 8 benefits.
  • $1,170 (53%) needs a booking, enrollment, or deadline.
  • Biggest credit — $500 Credit for stays with The Edit, $500 — only via The Edit by Chase Travel.
  • $500 Southwest Airlines Chase Travel Credit (Spend Tier) ($500) posts automatically. No hoops.
  • No-hoops value covers 132% of the annual fee.
Better fit if
  • You book travel through The Edit by Chase Travel.
  • You'll actually use $500 Southwest Airlines Chase Travel Credit (Spend Tier).
  • 10× on hotels and car rentals matches your spend.
Probably not if
  • You book direct, not via The Edit by Chase Travel.
How Perqt calculates this

Welcome offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Est. value
$900
Minimum spend
$4,000
Within
3 mo

Earning rates

  • All other purchases
    base earning rate
    1×
    pts
    Chase Ultimate Rewards
  • Top earn
    Hotels and car rentals
    hotel stays and car rentals booked through Chase Travel (after earning the annual $300 travel credit)
    10×
    pts
    Chase Ultimate Rewards · Chase Travel
  • Top earn
    Dining
    Chase Dining bookings made through the Chase Ultimate Rewards portal
    10×
    pts
    Chase Ultimate Rewards · Chase Travel
  • Top earn
    Rideshare
    Lyft rides booked through March 31, 2025
    10×
    pts
    Chase Ultimate Rewards
  • Flights
    flights booked through Chase Travel (after earning the annual $300 travel credit)
    5×
    pts
    Chase Ultimate Rewards · Chase Travel
  • Travel
    travel purchases made after earning the annual $300 travel credit
    3×
    pts
    Chase Ultimate Rewards
  • Dining
    worldwide dining at restaurants, cafes, and bars
    3×
    pts
    Chase Ultimate Rewards

On-card benefits & credits

  • $500 Credit for stays with The Edit
    $500
    /Annual

    A statement credit of up to $250 for each prepaid booking with The Edit, up to $500 annually. Two-night minimum.

  • $500 Southwest Airlines Chase Travel Credit (Spend Tier)
    $500
    /Annual

    Unlocks after $75000 calendar-year spend on the card. Up to $500 in statement credits for Southwest Airlines purchases made on Chase Travel.

  • $300 Annual Travel Credit
    $300
    /Annual

    Get up to $300 in statement credits for travel purchases each account anniversary year.

  • $250 Credit for The Shops at Chase (Spend Tier)
    $250
    /Annual

    Unlocks after $75000 calendar-year spend on the card. Up to $250 in statement credits for purchases at The Shops at Chase.

  • $250 Credit for Select Hotels through Chase Travel
    $250
    /Annual

    Get up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings for stays at select hotels (IHG, Montage, etc.). Two-night minimum.

  • $20 Monthly DoorDash Non-Restaurant Promos
    $20
    /Monthly

    Receive two $10 off discounts each calendar month at checkout on qualifying non-restaurant orders on DoorDash while enrolled in DashPass.

  • $10 Monthly Lyft Credit
    $10
    /Monthly

    Receive a $10 Lyft credit each calendar month through 9/30/2027 to use for qualifying Lyft rideshare rides booked in the Lyft app.

  • $5 Monthly DoorDash Restaurant Promo
    $5
    /Monthly

    Receive a $5 off discount each calendar month at checkout on one qualifying restaurant order on DoorDash while enrolled in DashPass.

  • IHG One Rewards Diamond Elite Status (Spend Tier)
    $0
    /Annual

    Unlocks after $75000 calendar-year spend on the card. Eligible for IHG One Rewards Diamond Elite status for the remainder of the calendar year and the following calendar year.

  • Southwest Airlines Rapid Rewards A-List Status (Spend Tier)
    $0
    /Annual

    Unlocks after $75000 calendar-year spend on the card. Eligible for Southwest Rapid Rewards A-List status for the remainder of the calendar year and the following calendar year.

  • IHG One Rewards Platinum Elite Status
    $0
    /Annual

    Get complimentary IHG One Rewards Platinum Elite Status through December 31, 2027.

  • World of Hyatt Explorist Status (Spend Tier)
    $0
    /Annual

    Unlocks after $75000 calendar-year spend on the card. Eligible for World of Hyatt Explorist status for the remainder of the calendar year and the following calendar year.

  • Priority Pass Select Membership
    $0
    /Annual

    Complimentary access to airport lounges participating in the Priority Pass Select network with up to two accompanying guests.

  • Air Canada Lounge Access
    $0
    /Annual

    Complimentary access for the cardmember and 1 guest to Air Canada Maple Leaf Lounges and Air Canada Cafes in the U.S., Canada and Europe when departing on a Star Alliance member flight.

  • Complimentary DashPass
    $0
    /Annual

    Receive complimentary DashPass for use on both DoorDash and Caviar when activated by 12/31/2027. Includes $0 delivery fees and reduced service fees on eligible orders.

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