What the J.P. Morgan Reserve® pays for.

Every perk, coverage and status this card carries, at the issuer's face value.

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Face value of perks

$2,310

8 credits across 5 categories

Annual fee

$795

Charged once a year

Top earn rate

10× points

Peloton

Discovery begins here

What every dollar returns, by where you spend it. Six categories earn extra on this card; everything else earns the base rate.

10×points per dollar

Peloton

10× on peloton, the issuer's published rate for the category.

8×points per dollar

All Travel (Ultimate Rewards)

8× on all travel (ultimate rewards), the issuer's published rate for the category.

5×points per dollar

Lyft

5× on lyft, the issuer's published rate for the category.

4×points per dollar

Airfare

4× on airfare, the issuer's published rate for the category.

4×points per dollar

Hotels

4× on hotels, the issuer's published rate for the category.

3×points per dollar

Dining

3× on dining, the issuer's published rate for the category.

1×points per dollar

Everything else

The base rate on all other eligible purchases.

Multipliers are points per dollar, before any transfer or redemption value.

Everything that can be found

Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.

Travel

$800 · 2 perks

The edit hotels resorts credit

$500

Qualifying prepaid stays with The Edit, two-night minimum.

Annual

Travel credit

$300

Statement credits for travel-related purchases.

Annual

8 credits, $2,310 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch

See what it would really cost you

Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.

Compare the J.P. Morgan Reserve®

Coverages

Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.

Rental car insurance

When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.

Purchase protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.

Extended warranty

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.

Lost & delayed luggage

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.

Return protection

When you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.

Elite status

Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.

Airport lounge access

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.

Global Entry / TSA PreCheck credit

Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.

A-List Status with Southwest Airlines

Get Southwest A-List status after you spend $75,000 on your Sapphire Reserve card each year.

Auto Rental Coverage

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.

Extended Warranty Protection

When you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.

Global Entry Statement Credit

Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.

Golf Benefits from Troon Rewards®

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.

IHG One Rewards Diamond Elite status

Get IHG One Rewards Diamond Elite status after you spend $75,000 on your Sapphire Reserve card each calendar year.

IHG One Rewards Platinum Elite status

Hotel stays just got even better. Chase Sapphire Reserve cardmembers are rewarded with complimentary IHG® Platinum Elite status until December 21, 2027.

Lost Luggage Reimbursement

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.

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