The Ritz-Carlton Rewards® Credit Card
The Ritz-Carlton credit card from Chase is an excellent card for those looking for luxury travel experiences. It has a diverse set of travel benefits and opens up elite status in three different hotel loyalty programs and with one airline. The card comes with the unique ability to earn top tier elite status via credit card spending without the requirement for any stays.
As a cardholder, you’ll get a well-rounded array of travel benefits, including an annual $300 travel credit, airport lounge access, expedited security program fee reimbursement, hotel room upgrades and more. Even the physical card itself, which is made of sturdy metal, has a very high-end feel compared to other credit cards.
The main negative of the card is its high annual fee of $450. With such a big fee it is important to ensure you are getting enough value out of the card to justify holding on to it in the long-term.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the The Ritz-Carlton Rewards® Credit Card offers and the value of the Chase The Ritz-Carlton Rewards® points you earn.
The sign-up bonus is two complimentary nights in any Tier 1-4 Ritz-Carlton hotel after spending $4,000 in the first three months. In addition, you can earn 10,000 bonus points after you add an authorized user and make a purchase in the first 3 months.
The card also comes with a wide range of ongoing benefits. You can get up to $300 per year in statement credits toward qualifying travel purchases, such as baggage fees, seat upgrades, access to your preferred airport lounge and more. The credit is not automatic so you will need to call or send a secure message to request it after purchases post.
You will also receive a 10 percent Annual Points Premium on all new rewards points earned with your Ritz-Carlton card during a year. This effectively makes the earning rate 5 points per dollar for hotels; 2 points per dollar for airlines, restaurants and rental cars; and 1 points per dollar for all non-bonused spending.
The Ritz-Carlton card is issued as a Visa Infinite card. Unlike some other Infinite cards on the market, it comes with one of the best benefits, the airline ticket discount. You can save $100 an unlimted number of times when booking two to five qualifying round-trip, domestic coach airline tickets purchased on the same itinerary.
Cardholders can upgrade to the Ritz-Carlton Club level three times annually on paid stays of up to seven nights. This benefit can be hugely valuable if you often have paid stays at Ritz properties, especially for longer stays. In addition, you can receive a $100 hotel credit for things like dining, spa services or other hotel recreational activities on paid stays of two nights or longer.
What You Get
- Earn 2 free nights after spending $4,000 within the first 3 months
- Get an additional 10,000 points after adding an authorized user in the first 3 months
- Annual $300 statement credit for travel expenses
- The Annual Points Premium perk gives you a 10% bonus for all points earned in a year
- $100 discount for booking 2 to 5 round-trip economy tickets on the same itinerary
- 3 upgrades to Ritz-Carlton Club level for stays of up to 7 days
- $100 hotel credit for recreational activities and dining for stays of 2 nights or more
- 5 points per dollar spent with Ritz-Carlton and SPG
- 2 points per dollar for airfare, dining and car rentals
Ritz-Carlton points expire 24 months from the date of last activity. It is easy to keep your points alive in perpetuity with any sort of activity, such as spending on the credit card, transferring points from Chase Ultimate Rewards or redeeming or buying points.
What is the value of the The Ritz-Carlton Rewards® Points?
The great thing about Ritz-Carlton Rewards is that it’s really three reward programs in one. Ritz has a long standing relationship with Marriott, essentially operating one award program with points usable for bookings with either family of hotels. In addition, Marriott recently acquired Starwood and points can be freely transferred between the two programs at a ratio of one SPG point to three Marriott points. There are a ton of options available for award bookings.
FIRST YEAR REWARDS
What is CPP and How is it Calculated?
Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.
How we calculate CPP:
The Best Ways to Redeem The Ritz-Carlton Points
Ritz-Carlton’s award chart has five tiers, with nightly rates running from 30,000 to 70,000 points. Points can also be used to stay at Marriott properties using a separate award chart which has nine tiers and ranges from 7,500 to 45,000 points per night. In order to determine the value you get from your points, simply divide the cash price of the room by the number of points required. One way to get extra value is to utilize Marriott’s redeem four nights and get a fifth night free feature, which could increase the value of your points by 25 percent for a five night stay.
Dove MountainTUCSON, AZ · Tier 2Points price40,000pointsDollars price/Night$322
The Ritz-CarltonCharlotte, NC · Tier 3Points price50,000pointsDollars price/Night$489
Ritz-CarltonDenver, CO · Tier 3Points price50,000pointsDollars price/Night$254
The Ritz-CarltonDoha, QATAR · Tier 1Points price30,000pointsDollars price/Night$732
The Ritz-CarltonSanya, China · Tier 3Points price50,000pointsDollars price/Night$178
The Ritz-CarltonAbama, Spain · Tier 3Points price50,000pointsDollars price/Night$445
Other ways you can redeem points
Hotel Stays2 partners2 part.
Ritz-Carlton points can be redeemed directly with Marriott, or transferred to Starwood Preferred Gues at a 3:1 ratio.
Car Rental3 partners3 part.
The Ritz-Carlton card offers special discounts and upgrades with Avis, National and Silvercar.
The Ritz-Carlton card doesn’t have much in the way of earning power for everyday spending. Most of the bonus categories are geared toward travel, earning five points per dollar at Ritz-Carlton and SPG properties and two points per dollar for airline tickets and car rentals. The one bonus for everyday spending is two points at restaurants. All other spending earns one point per dollar.
- Car Rental
- Brand earn
- All Other Purchases
Receive a complimentary annual Priority Pass Select membership with access to over 900 airport lounges in over 400 cities worldwide.
No Foreign Transaction Fee
You’ll never have to pay additional fees for making purchases outside of the United States.
If you use your Ritz-Carlton Rewards card to pay for your Global Entry or TSA PreCheck application, you’ll receive an offsetting statement credit of up to $100.
Earn Elite Status Fast
The ability to earn elite status via credit card spending is one of best benefits of the Ritz-Carlton card. With Ritz-Carltons’ and Marriott’s joint programs, along with the reciprocal status offered due to the acquisition of SPG, you can actually earn top tier status in not just one, but all three programs using this card. SPG Platinum status includes benefits such as free breakfast, 50 percent bonus points and upgrades to the best available room at check-in. Platinum status with Marriott offers similar benefits, plus a crossover benefit that gives you Silver status with United Airlines.
- Complimentary Gold Elite status with Ritz-Carlton for the first year
- Maintain Gold status every year you spend at least $10,000
- Earn Platinum Elite status if you spend $75,000 more
Fees: the cost of Having the Card
The amount of spending required to cover the annual fee for this card depends on how well you will be able to utilize the benefits. For example, if you can use the entire $300 annual travel credit, then the annual fee is effectively reduced from $450 to $150.
The sign-up bonus of two free nights can easily cover the annual fee for the first year. Ritz-Carlton has some very luxurious and expensive properties that run over $500 per night, which means the sign-up bonus can be worth over $1,000. Rates vary significantly from property to property, so it’s worth searching around for hotels that offer the best value.
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater
- Late Payment Fee
Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
- Annual Fee
- Foreign Transaction Fee
See What It Takes to Cover an Annual Fee:
We strongly recommend to spend not less than $10,000 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the The Ritz-Carlton Rewards® Credit Card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the Ritz-Carlton Rewards® Credit Card
The Ritz-Carlton card has a great lineup of benefits that includes travel credits, the ability to earn elite status and airport lounge access. Here are the top five:
- Elite Status: You’ll get Gold status automatically the first year. It can be renewed indefinitely by spending $10,000 a year. Upgrade to Platinum status by spending $75,000 in a year.
- Annual Travel Credit: Receive up to $300 dollars per year for qualifying travel expenses, which can significantly offset the annual fee.
- Big Sign-Up Bonus: This card comes with a sign-up bonus of two free nights at any Tier 1-4 Ritz-Carlton property, which can be worth over $1,000.
- Lounge Access: Receive a complimentary Priority Pass Select membership, which will make your airport experience more comfortable.
- Upgrade to Club Level: Receive complimentary upgrades to the Ritz-Carlton club level three times per year on paid stays of up to seven nights.
Should You Get the Ritz-Carlton Rewards Credit Card?
The Ritz-Carlton card is great for people looking for a luxury hotel experience. The sign-up bonus allows cardholders to get two free nights at any Tier 1-4 property. If you stay at a Ritz-Carlton property, then you can enhance the experience with the $100 hotel credit and the club level upgrade.
The card provides a better overall travel experience in addition to the hotel benefits. The Priority Pass Select membership gives you access to airport lounges. There are also a variety of discounts available for airfare and rental cars.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
The current sign-up bonus is for two free nights at a Tier 1-4 property. In the past, the card has had temporarily increased the bonus to either three free nights or 140,000 points.
At this time Chase is only offering a personal version of this card.
Yes! The card is made of metal and is one of the thickest and heaviest travel cards in the industry.
You must pay the $450 annual fee during the first year.
Some other cards offered by Chase include the Sapphire Preferred and Sapphire Reserve card. Both of these cards earn Ultimate Rewards, which can be transferred to Ritz-Carlton and Marriott.
Other Chase cards
|Chase Sapphire Preferred® Card||Chase Sapphire Reserve℠|
|Sign-up bonus||50,000 points||0 points||50,000 points|
|Annual Fee||$0 Intro fee for the first year. After that, $95||$450||$450|
|APR On Purchases||16.99% to 23.99% Variable±||16.99% to 23.99% Variable±||16.99% to 23.99% Variable±|
|Second Year Value||$432||$360||$432|
The Sapphire Preferred and Sapphire Reserve cards both have a 50,000-point sign-up bonus. These points can be transferred to a variety of airline and hotel partners. This flexibility increases their value for many travelers.
However, if you are specifically looking to redeem points at Ritz-Carlton properties, the sign-up bonus offered by the Ritz-Carlton card is clearly superior. For example, 50,000 points is only enough for one night at a Tier 3 Ritz-Carlton hotel. On the other hand, if you want redeem points for airfare, 50,000 points is enough for two round-trip economy class tickets, which could add up to a significant amount of value on many routes.
Compare Ritz-Carlton Rewards® Credit Card to Other Cards
Since you can use points from Ritz-Carlton, Marriott and SPG to book award nights at any of their properties, there are many cards available to accrue points via sign-up bonuses. Another hotel chain which has a credit card issued by Chase is Hyatt.
The sign-up bonuses for the Hyatt and Ritz-Carlton cards have similar structures, with each offering two free nights instead of points. The SPG card offers a 25,000 point sign-up bonus, which could be converted to 75,000 Ritz/Marriott points. The Marriott card offers 80,000 points which may be more useful for those looking to redeem points at lower end properties for more than two nights. The Ritz-Carlton card has by far the highest annual fee but also the best set of benefits.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the Ritz-Carlton credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa Infinite card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 16.99% to 23.99% Variable±
- Minimum Grace Period:
- 21 days
- Extended Warranty Protection:
- Extend the manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Purchase Protection:
- Covers your new purchases for 120 days against damage or theft for up to $10,000 per claim and $50,000 per year.
- Return Protection:
- You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Covers up to $500 per item and $1,000 per year.
- Price Protection:
- If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference for up to $500 per item and $2,500 per year.
Cash Advance Features
- Ongoing APR:
- 25.99% Variable±
- Cash Advance Fee:
- Either $10 or 5% of the amount of each transaction, whichever is greater
Security and Protections
Chase offers a variety of security features and several different ways to monitor and manage your account.
- Fraud Alerts:
- Get notified of potential fraud via text and easily clear the card with a text response.
- Banking On The Go:
- Track your account with the Chase mobile app.
- Emv Chip Technology:
- Get global acceptance and enhanced security at merchants that use chip enabled terminals.
- Credit Score Monitoring:
- Receive free access to Credit Journey, which includes your VantageScore 3.0.
The Chase mobile app has a very high level of functionality, allowing you to do almost anything you can do on the full website. You can see statements, make payments, redeem rewards, send secure messages, and much more using the mobile app.
Additional Cardholder Benefits
The Ritz-Carlton card is a Visa Infinite card, which is Visa’s highest level. It has the greatest set of benefits offered by Visa.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
- Baggage Delay Insurance:
- Reimburses you for essential purchases, like toiletries and clothing, for baggage delays over six hours. Get up to $100 a day for five days.
- Lost Luggage Reimbursement:
- If you or your immediate family members' checked or carry-on bags are damaged or lost by the carrier, you're covered for up to $3,000 per passenger.
- Roadside Dispatch:
- If you have a roadside emergency in the U.S. or Canada, you can call for a tow, jump-start, tire change, locksmith or gas. You’re covered up to $50 per incident and up to four times a year.
- Travel Accident Insurance:
- When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1 million.
- Travel and Emergency Assistance Services:
- Legal and medical referrals, and other travel and emergency assistance is available any time of day. Service charges apply.