Points · Visa · $795 annual fee
Last verified 2026-09-09. Review issuer source
Chase J.P. Morgan Reserve is a $795-a-year points card from Chase. Its best everyday rates are 4x on airfare, 4x on hotels, and 3x on dining; everything else earns 1x. The 8x rate applies only to travel booked through Ultimate Rewards, so treat it as a bonus rather than the reason to apply. There is also 10x on Peloton, a single-merchant rate.
On our reference budget of $24,600 a year its rewards come to $528, $267 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's.
Premium cards are a bet that you will use the credits. Count only the ones that replace spending you already do, then see whether the lounge access and what is left justifies the fee.
4x points on flights purchased direct
8x points on Chase Travel
3x points on dining worldwide
4x points on hotels purchased direct
5x total points on all eligible Lyft purchases
Cap: $5,000 per annual
10x points on eligible Peloton hardware and accessory purchases
No welcome bonus is stored for this catalog entry yet.
Get access to up to $10 in monthly in-app credits, up to $120 annually, to use on Lyft rides through September 30, 2027.
Get up to $250 in statement credits on purchases through The Shops at Chase after you spend $75,000 on your Sapphire Reserve card each calendar year.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of the Sapphire Reserve Exclusive Tables program.
Get 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.
Get a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
Get Southwest A-List status after you spend $75,000 on your Sapphire Reserve card each year.
Complimentary subscriptions to Apple TV+* and Apple Music through June 22, 2027, a value of $250 annually.
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
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.
Up 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.
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Extends 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.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Get IHG One Rewards Diamond Elite status after you spend $75,000 on your Sapphire Reserve card each calendar year.
Hotel stays just got even better. Chase Sapphire Reserve cardmembers are rewarded with complimentary IHG® Platinum Elite status until December 21, 2027.
Get up to $120 in annual statement credits towards Peloton memberships, including All-Access Membership, App One, App+, Guide or Strength+
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Build and book a custom itinerary that unlocks hidden gems and new experiences around the world with a Reserve Travel Designer. This personalized service is valued at up to $300 per trip.
You 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.
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Access the most coveted dining experiences. Sapphire Reserve Exclusive Tables secures reservations for cardmembers at some of the most sought-after and hardest-to-book restaurants in major cities. This includes held tables at select restaurants through the Visa Dining Collection on OpenTable—a list of over 275 top dining spots across the U.S. curated by The Infatuation.
From world-class dining to once-in-a-lifetime events, Sapphire Reserve gives you access to the most sought-after destinations and gatherings—designed exclusively for Sapphire Reserve cardmembers.
Get up to $300 in annual statement credits on concert and event tickets purchased on StubHub and viagogo.
Stay with The Edit by Chase Travel, our hand-picked collection of unforgettable hotels and resorts, with complimentary benefits like a $100 property credit, daily breakfast for 2, a room upgrade (if available) and more. From solo city indulgences and romantic wine country escapes to family-friendly beachfronts and outdoor adventures, you’ll find the perfect stay with The Edit.
If 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.
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
These come from Visa, not from Chase. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When 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.
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
This 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.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
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.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| J.P. Morgan Reserve®This card · 4x on airfare | $795 | $528 | −$267 | 1275th of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
