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THE PREMIUM CARD GUIDE

Every perk on the cards that cost the most.

29 cards with a $250+ annual fee or a gate in front of them — invitation, private-bank relationship, or closed to new applicants. Every credit, perk and protection, and what the fee really costs once you use the credits.

Who gets what

Hover or tap a tick for the detail. Net = annual fee minus statement credits at realistic use (easy credits 100%, medium 60%, hard 30%); a green + means the credits are worth more than the fee — if you'd spend on those things anyway.

CardFeeNetAirport loungesPriority PassHotel elite statusFree night certificateCompanion pass / certificateAirline elite boostFree checked bagGlobal Entry / PreCheck creditCLEAR creditTransfer partnersNo foreign transaction feePrimary rental car coverCell phone protectionTrip cancellationTrip delay
Chase J.P. Morgan Reserve $795 +$153
Chase J.P. Morgan Reserve VISA

Chase · Visa

J.P. Morgan Reserve Card

Requires a banking/wealth relationship medium confidence

Not open to the public: only J.P. Morgan Private Bank clients can get it, by invitation or on request through their private banker. Chase publishes no asset minimum. Reviews report roughly $10 million+ in assets managed with J.P. Morgan (Upgraded Points, WalletHub); AskSebby reports about $5 million+; View from the Wing notes some clients have gotten in with less. Existing Chase Palladium cardholders were converted to this card, and there was a brief public application window around 2016 that is now closed. [1] [2] [3]

Fee: $195 per authorized user. Went up with the June 2025 Sapphire Reserve overhaul ($595 in 2023 per View from the Wing). No initiation fee reported.

Annual fee
$795
Credits / yr
$1,670
$948 realistic
Credits beat fee by
+$153

J.P. Morgan Private Bank clients only (~$10M+ reported)Sapphire Reserve earning: 8x Chase Travel, 4x flights/hotels direct, 3x diningUnited Club membership + Sapphire Lounges + Priority Pass$300 travel, $500 The Edit, $300 dining, $300 StubHub credits$795 fee; not reported as a normal personal tradeline

Statement credits

  • $300 /anniversary Annual travel credit
    Up to $300 in statement credits each account anniversary year on travel purchases. · easy to use
  • $250 /semiannual The Edit hotel credit
    Up to $500 a year, as $250 per half-year, for prepaid stays booked through The Edit by Chase Travel (the Sapphire Reserve version requires 2+ nights). · hard to use
  • $150 /semiannual Exclusive Tables dining credit
    $300 a year: up to $150 Jan-Jun and $150 Jul-Dec at Sapphire Reserve Exclusive Tables restaurants on OpenTable. · medium to use · enroll
  • $150 /semiannual StubHub / viagogo credit
    $300 a year (CardPointers) through Dec 31, 2027, assumed to be split $150 per half-year like the Sapphire Reserve's. Activation required. · medium to use · enroll
  • $120 /every 4 years Global Entry / TSA PreCheck / NEXUS fee credit
    Up to $120 every four years. · easy to use
  • $10 /month Lyft credit
    $120 a year ($10 a month) in Lyft credit through Sept 30, 2027. · medium to use · enroll
  • $10 /month Peloton membership credit
    $120 a year ($10 a month) toward Peloton memberships through Dec 31, 2027. · hard to use · enroll

Perks

  • No foreign transaction fees
  • J.P. Morgan Reserve United Club Access Membership
    Since Jan 15, 2026: unlimited United Club access for the primary cardmember, plus 1 adult guest or dependent children under 21. Upgrades to All Access (2 adult guests plus Star Alliance and partner lounges) for years with United Premier Gold or higher. This is what the Sapphire Reserve does not have.
  • Chase Sapphire Lounges
    Sapphire Lounges by The Club with up to 2 guests.
  • Priority Pass Select
    1,300+ lounges; activated when the account opens.
  • $500 The Edit credit
    See credits. The Edit stays also come with Chase's standard Edit perks.
  • $300 Exclusive Tables dining credit
    See credits.
  • $300 StubHub credit
    See credits.
  • $120 Lyft credit
    See credits.
  • $120 Peloton credit
    See credits.
  • Apple TV + Apple Music
    Complimentary subscriptions (~$250 value) through June 22, 2027.
  • DashPass (12 months)
    Complimentary DoorDash DashPass (~$120 value).
  • $300/year DoorDash promos
    In-app DoorDash promos through Dec 31, 2027 (CardPointers).
  • Ultimate Rewards transfer partners
    Earns Chase Ultimate Rewards points, transferable to Chase airline and hotel partners.
  • J.P. Morgan Reserve concierge
    Dedicated concierge (a step up from Visa Infinite concierge, per reviews) for hard-to-get dining, travel and shopping requests; you still pay for what it books.
  • Not reported as a normal personal tradeline
    Reviewers say the account generally does not show up as a regular revolving tradeline on credit reports, so large balances do not affect utilization.
  • Metal card
    Heavy J.P. Morgan-branded metal card; it replaced the Chase Palladium card.
  • Auto rental collision damage waiver
    Reviews say the travel protections match the Sapphire Reserve's (primary CDW). J.P. Morgan-specific limits not confirmed.
  • Trip cancellation / interruption insurance
    Included; limits assumed to match the Sapphire Reserve's.
  • Trip delay reimbursement
    Included.
  • Baggage delay insurance
    Included.
  • Lost luggage reimbursement
    Included.
  • Travel accident insurance
    Included.

Protections

Trip cancellation / interruptionIncluded (Sapphire Reserve: up to $10,000 per traveler / $20,000 per trip; not confirmed for this card)
Trip delayIncluded (Sapphire Reserve: up to $500 after 6 hours; not confirmed for this card)
Baggage delayIncluded (limits not confirmed)
Lost luggageIncluded (limits not confirmed)
Rental car collisionprimary
Travel accidentIncluded (limits not confirmed)
Earning, approval rules & sources
  • 8x Chase Travel portal Issuer travel portal — 8x on all purchases through Chase Travel, including The Edit.
  • 4x Airfare (booked direct) — 4x on flights booked direct with the airline.
  • 4x Hotels (booked direct) — 4x on hotels booked direct with the hotel.
  • 3x Dining & restaurants — 3x on dining worldwide.
  • 1x Everything else — All other purchases. The Sapphire Reserve's promo 5x Lyft and 10x Peloton rates were not confirmed for this card, so they are not filed.

Chase approval rules: 5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30

Essentially a Chase Sapphire Reserve for J.P. Morgan Private Bank clients. It adopted the June 2025 Sapphire Reserve overhaul: $795 fee; 8x Chase Travel, 4x flights and hotels booked direct, 3x dining; the Sapphire Reserve's credit suite. On top of that it adds a United Club membership (moved to the J.P. Morgan Reserve United Club Access Membership on Jan 15, 2026, when the base membership went from 2 adult guests to 1), a stronger concierge, and non-standard credit reporting. There is no public Chase or J.P. Morgan product page, so everything here comes from reviews and aggregators (CardPointers, AskSebby, Upgraded Points). Upgraded Points' comparison still lists the old 10x/5x/3x earn rates, which are out of date. Not confirmed for this card, so left out: the Sapphire Reserve's $250 select-Chase-Travel-hotels credit (through 12/31/2026), the new $15/month DoorDash credit (Oct 2026), the $75,000-spend unlocks (IHG Diamond, Hyatt Explorist, Southwest A-List), IHG Platinum status, the 5x Lyft and 10x Peloton earn rates, and the exact limits on purchase and travel protections.

Checked 2026-09-23 · sources: 1, 2, 3, 4