Higher fees, however, mean more perks. Along with a 45% bump to its annual fee, JPMorgan Chase’s Sapphire Reserve card now offers $2,700 in annual benefits, including a new redemption program that doubles the value of points for select travel offers. There’s also a $500 annual hotel credit and $300 dining credit within its network of hotels and resorts (8).Overall, credit card companies are issuing fewer cards to consumers with poor credit and turning to high-net-worth Americans instead (6). That’s because ...