Purchase APR
18.24–27.74%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $802.20
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44
J.P. Morgan Reserve
Jpmorgan Chase Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 720+
Purchase APR
16.74%
Annual fee
$795
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.74%
Median16.74%
Highest offered16.74%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.49%
Highest offered28.49%
Every fee on this card
Annual fee$795
Balance transfer fee5% (min $5)
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late feeNone
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time$0
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-576-7575
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.74%$502.20
Annual / periodic fees$795
Total yearly cost$1,297.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.
All 26 agreementsMore from this issuer
Purchase APR
17.49–26.49%
Annual fee
$49
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $843.70 incl. $49 fee
Purchase APR
17.49–26.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $764.70
Purchase APR
18.74–27.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $824.70