Chase · Visa Infinite · Personal
Chase JP Morgan Reserve Card
A $795-a-year card earning Ultimate Rewards: 10× on Special, 1× on everything else.
- Annual fee
- $795Charged every year
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 10×Special
- Point value
- 1.85¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$795 | −$795 |
| NetYear one includes the bonus · at your inputs · our estimates* | −$795 | −$795 |
Earning structure
11 categories, 6 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Special US onlyEnds Jan 1, 2028Cap $5,000 / 33 moNotesPeloton equipment and accessories over $150 bought directly from Peloton. Excludes apparel, gift cards, and memberships. | 10× | $18.50 | |
Airfare (Portal) NotesFlights booked through Chase Travel. Concierge earns 8x only if booked through Chase Travel. FROSCH bookings do not earn 8x. | 8× | $14.80 | |
Car Rentals (Portal) NotesCar rentals booked through Chase Travel. Direct car-rental bookings earn the base rate. | 8× | $14.80 | |
Cruises (Portal) NotesCruises booked through Chase Travel. Direct cruise bookings earn the base rate. | 8× | $14.80 | |
Hotels (Portal) NotesHotels booked through Chase Travel. FROSCH bookings do not earn 8x. Stays reimbursed by The Edit credit do not earn points. | 8× | $14.80 | |
Travel (Portal) NotesPurchases booked through Chase Travel, including by phone. Concierge earns 8x only if booked through Chase Travel. FROSCH bookings do not earn 8x. | 8× | $14.80 | |
Lyft Ends Oct 1, 2027NotesQualifying Lyft app purchases, including rides, bikes, scooters, and memberships. Excludes gift cards, car rentals, and service centers. | 5× | $9.25 | |
Airfare NotesFlights booked directly with the airline. Concierge or FROSCH bookings earn 4x only if booked directly with the airline. | 4× | $7.40 | |
Hotels NotesHotels booked directly with the hotel. Concierge or FROSCH bookings earn 4x only if booked directly with the hotel. | 4× | $7.40 | |
Dining NotesDining at restaurants, including takeout and eligible delivery services. Eligibility follows the merchant category code. | 3× | $5.55 | |
All Other NotesBase rate on purchases outside a bonus category. Purchases reimbursed by the annual travel credit or The Edit credit do not earn points. | 1× | $1.85 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $795
- Card type
- Personal
- Network
- Visa Infinite
- Bank
- Chase
- Point system
- Ultimate Rewards
- Travel value (our estimate)*
- 1.85¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Transfer partners12
- Aeroplan 1:1
- Avios 1:1
- Flying Blue 1:1
- Flying Club 1:1
- IHG Rewards 1:1
- KrisFlyer 1:1
- Marriott Bonvoy 1:1
- Rapid Rewards 1:1
- True Blue 1:1
- United MileagePlus 1:1
- World of Hyatt 1:1
- Wyndham Rewards 1:1
Ratio is Ultimate Rewards points to partner miles or points.
Benefits24 · 0 high value
- Airport Express Credits $30 Global Entry / TSA PreCheck / NEXUS Credit
- Car Rental Insurance Auto Rental Coverage
- Credits & Discounts $120 Lyft Credit + 11 more credits & discounts benefits
- Earn Perks & Status IHG One Rewards Diamond Elite + 2 more earn perks & status benefits
- Instant Perks & Status DashPass Membership + 1 more instant perks & status benefit
- Lounge Access Air Canada Lounge Access + 2 more lounge access benefits
- Point Modifiers Points Boost
- Travel Protections Travel and Purchase Protection
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Chase JP Morgan Reserve Card |  Chase Sapphire Reserve |  Chase Sapphire Preferred |  American Express Platinum | |
|---|---|---|---|---|
| Annual fee | $795 | $795Same | $95−$700 | $895+$100 |
| Signup bonus | None | 100,000 pts | 75,000 pts | 175,000 pts |
| Top rate | 10×Special | 10×Special | 5×7 categories | 5×Hotels (Portal), Airfare |
| Travel value * | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.9¢Membership Rewards |
| Why it’s here | This card | Same issuer and the same Ultimate Rewards points | Same issuer and the same Ultimate Rewards points | An annual fee within $100, with transferable points |
Chase Sapphire Reserve
$795 fee (same) · 10× top100,000 pts bonusSame issuer and the same Ultimate Rewards points
Chase Sapphire Preferred
$95 fee (−$700) · 5× top75,000 pts bonusSame issuer and the same Ultimate Rewards points
American Express Platinum
$895 fee (+$100) · 5× top175,000 pts bonusAn annual fee within $100, with transferable points
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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