J.P. Morgan Reserve®: 3x points at restaurants, and a dining perk at 440 of them

At restaurants
3x points
$100 dinner
≈$5.40
at 1.8¢ a point, our valuation as of Jan 2026
Annual fee
$795
Dining perks
2
J.P. Morgan Reserve®

2 dining perks from the card's published benefits

Taken from the card's published benefits, so a perk we can't stand behind doesn't appear here.

  • Statement credit

    Exclusive Tables Dining Credit

    $150 every six months

    At Sapphire Reserve Exclusive Tables restaurants. A curated list of U.S. restaurants on OpenTable with exclusive access for eligible Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers.

    Applies at 440 restaurants

  • Reservation access

    Sapphire Reserve Exclusive Tables

    At Sapphire Reserve Exclusive Tables restaurants. A curated list of U.S. restaurants on OpenTable with exclusive access for eligible Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers.

    Applies at 440 restaurants

Where its perks apply: 440 restaurants in 87 cities

Each link opens that city's map with this card selected.

8 restaurants where it earns the most

With this card selected: the rate it earns tonight, and up to what a dining program adds after you join.

  • Italian · $$$$ · Tivoli Village

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%Hilton Honors Dining8x+9 more
  • Contemporary Italian · $$$ · West Loop

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%Bilt Dining1x
  • Mexican · Highland Park

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%
  • Mediterranean · Highlands

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%
  • Wine bar · East Nashville

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%
  • American · $$ · Weehawken Township

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%
  • Vietnamese · $$$$ · San Francisco - Downtown

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%Upside9%+12 more
  • Steakhouse · Downtown Phoenix

    J.P. Morgan Reserve® · 20% with inKind

    Sapphire Reserve Exclusive Tables creditinKind20%

13 dining programs this card can earn on top

What a $100 dinner earns with the card linked to each program, at the program's new-member tier. Linking is a step you take once: until then the card earns only its own rate.

Best pairing: inKind. Tonight this card earns ≈$5.40 (5.4%) on a $100 dinner; after you join inKind and link it, ≈$20.00 (20%).

  1. inKindinKind diner · 20% back≈$20.0020%10,621 restaurants
  2. Rakuten DiningMember · 5% back≈$10.9011%20,618 restaurants
  3. Eat Around TownBonvoy member · 4 points per $1≈$8.208.2%+400 Marriott Bonvoy points · 22,643 restaurants
  4. Bilt DiningBilt member · 1 point per $1≈$7.407.4%+100 Bilt Points · 17,078 restaurants
  5. AAdvantage DiningBasic · 1 mile per $1≈$6.856.9%+100 AAdvantage miles · 22,726 restaurants
  6. TrueBlue DiningMember · 1 point per $1≈$6.756.8%+100 TrueBlue points · 22,074 restaurants
  7. Hilton Honors DiningBasic · 2 points per $1≈$6.206.2%+200 Hilton Honors Bonus Points · 21,979 restaurants
  8. Atmos Rewards DiningBasic · 0.5 points per $1≈$6.156.2%+50 Atmos Rewards points · 21,617 restaurants
  9. Dine Out with WyndhamMember · 1 point per $1≈$6.106.1%+100 Wyndham Rewards points · 22,066 restaurants
  10. Rapid Rewards DiningMember · 0.5 points per $1≈$6.036%+50 Rapid Rewards points · 22,082 restaurants
  11. IHG Dine & EarnBasic · 1 point per $1≈$6.006%+100 IHG One Rewards points · 22,289 restaurants
  12. MileagePlus DiningBasic · 0.5 miles per $1≈$6.006%+50 MileagePlus miles · 22,832 restaurants
  13. SkyMiles DiningMember · 0.5 miles per $1≈$6.006%+50 SkyMiles · 22,472 restaurants

Rewards Network programs are one per card: pick one of 11 for this card.

2 alternatives for dining

See the top 20

Some restaurant addresses, phone numbers, websites and cuisines come from Overture Maps Foundation open data (Meta and Microsoft, CDLA Permissive 2.0; Foursquare, Apache 2.0; AllThePlaces, CC0 1.0). Overture attribution Some neighbourhoods come from Who's On First boundaries (CC-BY 4.0). Who's On First licenses Some opening hours, phone numbers, websites and cuisines are © OpenStreetMap contributors (ODbL 1.0). OpenStreetMap copyright

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.