Ritz Carlton Rewards Credit Card Review
The forgotten brand in the recent SPG & Marriott merger is Ritz Carlton. They have a rewards program that is somewhat separate from Marriott but still a part of it.
Ritz Carlton, like Marriott, offers a co-branded credit card issued by Chase bank. The Ritz Carlton Rewards credit card comes with a large annual fee but a ton of perks. The question is whether or not those perks offset the annual fee.
This card is now closed to new applicants. The only way you can get this card now is by product changing from another Marriott co-branded card from Chase.
The Ritz-Carlton Rewards card comes with the following earning structure:
- 6 points per $1 spent at participating Marriott Bonvoy hotels
- 3 points per $1 spent on dining, car rentals, and airfare purchases
- 2 points per $1 spent on all other card purchases
This card comes with a large annual fee but also with a lot of perks. They are as follows:
- $300 Annual Travel Credit (per calendar year)
- use for baggage fees, seat upgrades, access to your preferred airport lounge and more. Simply call to apply the credit.
- 3 club level upgrades at Ritz-Carlton properties on paid stays per cardmember year
- $100 hotel property credit at Ritz-Carlton and St. Regis properties when staying 2+ nights on a paid stay
- Anniversary free night award worth up to 50,000 points
- Gold status with Marriott Bonvoy
- Earn Platinum status if you spend $75,000 within the cardmember year
- Priority Pass membership
- Global Entry or TSA PreCheck application fee reimbursement
- Trip Cancellation / Trip Interruption coverage
- 15 elite night credits into your Marriott Bonvoy account each year to help you reach status faster
- Extended warranty protection
- Return protection
- Purchase protection
- Special perks and savings on car rentals with Avis, Silvercar & National
- Trip delay reimbursement
- No foreign transaction fees
- Lost luggage reimbursement
- Travel and emergency assistance services
- Primary rental car insurance coverage
The Ritz-Carlton Rewards credit card comes with a $450 annual fee which is NOT waived.
As you can see, this card has a ton of perks. The shortcuts toward Marriott Bonvoy status plus Priority Pass, free nights, and property credits / upgrades can offset the annual fee if you use all of them.
You need to call or send in a secure message to get the travel credits posted. This seems like an unnecessary step that Chase puts in there in the hopes of creating breakage. Reports have stated that it is a pretty painless process and they tend to approve anything that “codes” properly, but it is not as easy to use as Chase Sapphire Reserve‘s credit.
Long Term Keep or Cancel?
This is a tough card to pin down as a long-term keeper. It is right in the middle in terms of value. If you are able to maximize the perks, then you will get more value than the annual fee. If you don’t use the perks, then the card is not a keeper, because the earning structure is lackluster.
We value the airline credit at $255. The Priority Pass membership and Global Entry credit are offered by just about everybody these days, so we won’t include them in our value calculations. However, you may find value in the fact that authorized users also get a Priority Pass membership. The club upgrades are useful if you usually have cash stays at Ritz Carlton. The same goes for the $100 property credit. This will probably not be the case for most people.
The Ritz-Carlton Rewards credit card comes with a lot of perks but a lackluster earning structure. The card is best for perk seekers and not a card to be used for everyday spend.
If you are able to maximize all that the Ritz-Carlton Rewards credit card has to offer, then it could be a long-term keeper. Maxing out the property credits, free night award, and travel credits will be key.