The J.P. Morgan Reserve Card is one of the most exclusive credit cards in the world, designed exclusively for clients of J.P. Morgan Private Bank with substantial investable assets. Formerly known as the Palladium Card, it offers elite travel and lifestyle benefits, robust protection, and a seamless experience tailored for ultra-high-net-worth individuals. With the backing of the Visa Infinite® network and a level of service few cards can match, it is a discreet yet powerful financial tool.
What Is the J.P. Morgan Reserve Card?
The J.P. Morgan Reserve is an invitation-only Visa Infinite® credit card available to clients who maintain at least $10 million in assets under management with J.P. Morgan Private Bank. Though it shares many features with the Chase Sapphire Reserve®, it goes a step further by offering a white-glove level of customer service and subtle luxury.
Key Features and Benefits
$300 Annual Travel Credit
Cardholders receive an automatic $300 annual travel credit toward a wide range of travel purchases, including airfare, hotels, and rental cars.
3X Points on Travel and Dining
Earn 3 points per dollar on travel (after using the travel credit) and dining at restaurants, and 1 point per dollar on all other purchases. Points are part of the Chase Ultimate Rewards® program, known for its flexibility and high redemption value.
50% More Value When Redeeming Through Chase Travel
When redeeming points through Chase Ultimate Rewards for travel bookings, cardholders receive 50% more value, making 50,000 points worth $750 in travel.
Airport Lounge Access via Priority Pass Select
Enjoy unlimited access to 1,300+ airport lounges worldwide through the Priority Pass Select program, including access for up to two guests.
Global Entry or TSA PreCheck Credit
Receive up to $100 in statement credits every four years for application fees toward Global Entry, TSA PreCheck, or NEXUS.
Luxury Hotel and Resort Collection Access
Cardholders have access to the Luxury Hotel & Resort Collection, featuring perks like room upgrades, early check-in, late checkout, and daily breakfast at over 1,000 premier properties.
Dedicated Concierge and Private Client Services
The card offers a Private Banking-grade concierge, capable of handling complex travel bookings, private events, luxury dining reservations, and VIP experiences with a level of discretion unmatched in the mainstream market.
No Foreign Transaction Fees
All purchases made abroad incur no foreign transaction fees, ideal for international travel.
Visa Infinite Travel and Purchase Protections
Includes elite protections such as:
- Trip Cancellation/Interruption Insurance
- Trip Delay Reimbursement
- Lost and Delayed Baggage Coverage
- Primary Rental Car Insurance
- Purchase Protection
- Extended Warranty Coverage
Annual Fee and Requirements
- Annual Fee: $595
- Authorized Users: No additional fee for the first user
- Credit Required: Excellent
- Eligibility: Must be a J.P. Morgan Private Bank client with minimum $10 million in assets under management
How to Apply for the J.P. Morgan Reserve Card
This card is not available to the general public. To be considered, an individual must:
- Be a client of J.P. Morgan Private Bank
- Maintain at least $10 million in qualifying assets with the firm
- Receive an invitation or be referred by their Private Banker
- Complete the onboarding process through their designated J.P. Morgan relationship manager
There is no public application process, and the card is issued by Chase.
Conclusion: Is the J.P. Morgan Reserve Card Worth It?
For those who qualify, the J.P. Morgan Reserve Card is more than a financial instrument. It represents status, access, and uncompromising service. While the rewards structure mirrors premium cards like the Sapphire Reserve, the added concierge tier, personalized servicing, and private banking integration set it apart entirely.
It is ideal for:
- Ultra-high-net-worth individuals
- J.P. Morgan Private Bank clients who value seamless global service
- Travelers seeking discretion, speed, and top-tier perks without friction
If you are already a Private Bank client, this card may become one of your most valuable tools — not for what it shows, but for everything it silently unlocks.
