Chase · $795/year
J.P. Morgan Reserve Card
Invite-only for JPM Private Bank clients. Same lounge perks as CSR.
J.P. Morgan Reserve Card unlocks 54 lounges across 45 US airports through 2 access programs. Below: which airports are covered, which networks open the door, and the exact rules for each one.
How access works
- Chase Sapphire LoungeUnlimited access for cardholder + 2 guests.
- Priority PassPriority Pass Select after enrollment — unlimited + 2 guests. Restaurants and cafes excluded since July 1, 2024.
Where the $795 annual fee pays off
Airports where J.P. Morgan Reserve Card opens lounges
Lounge networks unlocked by J.P. Morgan Reserve Card
Frequently asked questions
Does J.P. Morgan Reserve Card get you into Chase Sapphire Lounge lounges?
Yes. J.P. Morgan Reserve Card grants access to Chase Sapphire Lounge. Unlimited access for cardholder + 2 guests.
How many US airports does J.P. Morgan Reserve Card cover?
J.P. Morgan Reserve Card unlocks lounges at 45 US airports, totaling 54 individual lounge locations across 2 access programs (Chase Sapphire Lounge, Priority Pass).
Are there visit limits on J.P. Morgan Reserve Card's lounge access?
No hard visit caps are published for J.P. Morgan Reserve Card's complimentary access on the networks covered. Standard conditions (enrollment, guest counts) still apply — see the access rules above for each network.
Is J.P. Morgan Reserve Card's $795 annual fee worth it for lounge access alone?
If a typical lounge visit is worth roughly $50 in food, drinks, and Wi-Fi, the $795 annual fee breaks even at ~16 lounge visits per year. That works out to about $80 per visit at 10 visits, or $40 per visit at 20 visits — before counting any other card benefits.
Which airports should I test J.P. Morgan Reserve Card at first?
Try BOS (Boston), JFK (New York), LGA (New York). These are among the airports where J.P. Morgan Reserve Card opens the most lounges in our dataset.