COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
|
Chase
J.P. Morgan Reserve
VISA
Chase remove | |
|---|---|
| Annual fee | $795 |
| Foreign txn fee | 0% |
| Rewards | Chase Ultimate Rewards |
| Credits (realistic / face) | $948 / $1,670 |
| Earning by category | |
| Everything else | 1% 1x Chase UR |
| Dining & restaurants | 3% 3x Chase UR |
| Food delivery apps | 3% 3x Chase UR |
| Airfare (booked direct) | 4% 4x Chase UR |
| Hotels (booked direct) | 4% 4x Chase UR |
| Protections | |
| rental car | primary |
| cell phone | — |
| purchase protection | — |
| extended warranty | — |
| trip cancellation | Included (Sapphire Reserve: up to $10,000 per traveler / $20,000 per trip; not confirmed for this card) |
| trip delay | Included (Sapphire Reserve: up to $500 after 6 hours; not confirmed for this card) |
| baggage delay | Included (limits not confirmed) |
| return protection | — |
| Benefits | |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Airport lounge access | ✓ J.P. Morgan Reserve United Club Access Membership |
| Priority Pass Select | ✓ Priority Pass Select |
| Hotel statement credit | ✓ $500 The Edit credit |
| Dining credit | ✓ $300 Exclusive Tables dining credit |
| Entertainment / tickets credit | ✓ $300 StubHub credit |
| Uber/Lyft credit | ✓ $120 Lyft credit |
| Wellness / fitness credit | ✓ $120 Peloton credit |
| Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) | ✓ Apple TV + Apple Music |
| DoorDash/Grubhub/Instacart credit | ✓ $300/year DoorDash promos |
| Transfer partners (airlines/hotels) | ✓ Ultimate Rewards transfer partners |
| Concierge service | ✓ J.P. Morgan Reserve concierge |
| Other | ✓ Not reported as a normal personal tradeline |
| Primary rental car collision coverage | ✓ Auto rental collision damage waiver |
| Trip cancellation / interruption insurance | ✓ Trip cancellation / interruption insurance |
| Trip delay reimbursement | ✓ Trip delay reimbursement |
| Baggage delay insurance | ✓ Baggage delay insurance |
| Lost luggage reimbursement | ✓ Lost luggage reimbursement |
| Travel accident insurance | ✓ Travel accident insurance |