The J.P. Morgan Reserve card, formerly known as Chase Palladium, is by invitation only, reportedly only for individuals with at least $10 million in assets managed by J.P. Morgan.
In spite of its high profile status and unique composition (made of palladium), the rewards are identical to those you’d earn with the Chase Sapphire Reserve Card: 3X points on travel and dining, 1X points on everything else, and an annual $300 travel credit. As with the Chase Sapphire Reserve Card, these Chase Ultimate Rewards can be transferred on a 1:1 basis to one of 11 airline and hotel partners and as a sign-up bonus you can earn 100,000 Ultimate Rewards® points after spending $4,000 with Chase within the first 3 months. The only difference is the J.P. Morgan Reserve also gives you United Club membership.
Ease of Reward Redemption
Perks & Features
I have this card, and I love it, but it does not offer United club membership since 2019. The card was competing with the United club card on that, and they canceled that particular reward.
This table shows approximate credit score category ratings based on FICO® Score 8 and should only be used as a general guide.