J.P. Morgan Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The J.P. Morgan Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
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This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.2
fees: 2.9
rewards: 3.9
cost: 4.8
Other Features: 5.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
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Share your insights and review for the J.P. Morgan Credit Card
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3.9
97 reviews
97 reviews
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Albert Phan @albert.phan.7
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2 Star Rating
The J.P Morgan Credit Card is a card for those who are frequent travelers. There's not many redeeming features of this card and there's an annual fee of $95 after the first year. There's no initial bonus reward and the base/max earn is on a 1:1 point/$ ratio. Also you need to spend $100,000 a year on this card to get 25,000 bonus points. The upside is that you can get through blackout dates and no restrictions on future booking and multiple leg trips. This is basically a card for business people who need to travel a lot. The benefits is that you are protected with a lot of insurance for whenever you travel. In comparison with the Marriott Rewards Premier Card, the Marriott offers more in rewards with 7 free nights at a Marriott resort just as a starting bonus. It also has an initial bonus of 5,000 points. The J.P Morgan Credit Card is something you should use as a last resort if you're a frequent flyer.
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Nick Martocello @nmartocello
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2 Star Rating
The J.P. Morgan Credit Card is basically a card if your a business person or a frequent flyer/traveler. You get points for every $1 on travel purchases,1 point for every $1 on all other purchases, and 25,000 bonus points when you spend $100,000 annually and make other purchases. These bonuses don't really seem to pan out unless youre in a corporate position and flying almost weekly. The shining factor for this is its low interest rate and transferring your points 1 to 1 per airline and no blackout dates.
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Ben @shortstain
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2 Star Rating
The J.P. Morgan Credit Card is definitely an all-purpose traveler's card. I don't think the rewards program is as good as my Southwest Airlines Rapid Rewards Plus Credit Card, since this card does not give an anniversary bonus point gift, nor does it offer as good of a bonus for spending money each year. I don't think many people can spend $100,000 a year on belongings to redeem the 25,000 points. One unique feature of this card is the ability to transfer your points to any airline at a 1 to 1 rate. But the Starwood Preferred Guest Credit Card from American Express has the same perk, but gives you a 25% bonus upon transferring your points over! If you have loyalty to a particular airline or hotel, you should consider getting their specific cards over the J.P. Morgan Credit Card.
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Jordan Webb @jordan_webb_9212
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5 Star Rating
The J.P Morgan Credit Card is a great deal that you should jump on if you can get it! This card is well-known for its great points rewards program, which can be redeemed for a variety of products and savings. This program is especially good if you are a frequent traveler, as points are doubled for travel purchases. Even better about this card is the regular interest rate of 13.24%, which is extremely low for a large bank to offer for such a great rewards program! If you have the credit for it, I would highly recommend trying this card out.
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