Ritz-Carlton Card Cash Value Calculator

Ritz Carlton-Credit Card (N/A)

Card Review & Marriott Point Calcuator
6X Marriott
3X Airline Tickets (directly w/ airline)
3X Car Rentals
3X Restaurants
$300 Annual Travel Credit
Marriott Gold Elite Status
3 Club Level Upgrades Annually
Annual Free Night
Priority Pass Select

Review the benefits of the luxury Ritz-Carlton Card and calculate how many Marriott Bonvoy Points you can earn based on your monthly/yearly spend.


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The Ritz-Carlton card was closed to new applicants July 26th, 2018. Those who own a Chase Marriott credit card still has the option to product change to this card by calling Chase.

The Ritz-Carlton credit card is a premium rewards card with an annual fee of $450 per year. This card offers several perks at Ritz-Carlton branded hotels along with exclusive perks and elite travel benefits that more than makes up for the hefty fee. Even without spending a penny at a Ritz-Carlton property, this card can still generate a positive return with ease if used properly.

Bonus Categories

The Ritz-Carlton Card features four bonus categories. They are Marriott Properties, airfare (directly w/ airline), rental car agencies, and restaurants. Below are the details on each category.

6x Marriott Properties

The Ritz-Carlton Card earns 6 Marriott Bonvoy Points when used for Marriott properties (this includes Ritz-Carlton properties). This is the same earning rate and return of 4.2% as all Marriott Bonvoy Point earning cards with the exception of the old Marriott Bonvoy card. This is the best return you can get when it comes to Marriott Bonvoy Points.

3x Airline Tickets Directly

When the Ritz-Carlton Card is used to purchase airline tickets directly with the airline, you will earn 3 points per $1 spent. 3rd party sites and travel agencies will not apply for this bonus. The only other card that earns 3x Marriott Bonvoy Points is the Marriott Bonvoy Brilliant Card. Spending done on airfare generates a return of a little over 2% which is not too bad, but it could be better. If you hold the AMEX Platinum Card or AMEX Business Platinum Card, you can earn 5x Membership Reward Point and then transfer those over to the Marriott Bonvoy Program.

3x Rental Car

It's hard to find good car rental categories which is why this categories bonus of 3 Marriott Bonvoy Points when using the Ritz-Carlton Card is not a bad value. Similar to airline tickets, car rentals will have to be reserved directly with the rental car company. This will include places like SIXT, Enterprise, and Hertz. This is the best amount of Marriott Bonvoy Points you can earn for rental car companies. The only card that matches that earning is the Chase Sapphire Reserve's 3x earning on travel.

3x Restaurants

Last, but certainly not least, is Ritz-Carlton Card spending on restaurants. With the points at a cash value of 0.7 cents, this is still a 2.1% return. While the return itself is not bad, 4x Marriott Bonvoy Points can be earned with the Marriott Bonvoy Premier Plus Business Card and the Marriott Bonvoy Business Card.

2x Non-Category

You will earn 2 Marriott Bonvoy Points for non-bonus category spend on the Ritz-Carlton Card. This makes for a small return of 1.4%. If you're looking to earn more points and have more categories at your disposal, both the American Express Membership Rewards Program and Chase Ultimate Rewards Program transfer points from their respective programs to Marriott Bonvoy at a 1-to-1 ratio. This gives you a total of 17 additional cards you can use to build Marriott Reward Points.

Perks and Benefits

Free Award Night

Ritz-Carlton credit card holders will earn a free night annually that is good for any Marriott property that costs up to 50,000 Marriott Bonvoy Points. That's a value of at least $350 with the ability to be more based on the hotel. This includes up to Category 6 properties under the standard rate, Category 7 on the off-peak rate, and Category 5 during the high demand peak rate. The Marriott Bonvoy Brilliant Card also offers this 50,000 point anniversary night.

$300 Annual Travel Credit

The Ritz-Carlton card comes with a $300 Annual Travel Credit which is usable on just about anything coded as travel. This includes baggage fees, seat upgrades, airport lounge access and more.

Marriott Elite Status

Complimentary Marriott Gold Elite Status is offered to Ritz-Carlton cardholders. Spending $75,000 on the card will grant Marriott Platinum Elite status.

Specific Ritz Carlton Perks

The Ritz-Carlton card also comes with a $100 hotel credit and three annual club level upgrades. Both of these perks only apply to the Ritz-Carlton brand and not other Marriott brand hotels.

$100 Companion Airfare Discount

Ritz-Carlton credit card members can save $100 when they use the card to purchase multi-passenger airline tickets. There must be at least one additional passenger for this discount. This will not apply to single ticket purchases.

Global Entry/TSA PreCheck

Like other luxury cards, the Ritz-Carlton also comes with a $100 statement credit toward the fee of a Global Entry or TSA PreCheck application. This credit will be triggered once the card is used to pay for the application fee and it does not rely on whether or not the applicant is approved.

Sign Up Bonus

This card is no longer open to new applicants.

The previous sign up bonus for The Ritz-Carlton Credit Card was two complimentary nights at a Tier 1-4 Ritz-Carlton hotel after spending $4,000 within the first 3 months.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Ritz-Carlton annual fee is $450 which is standard for luxury travel cards. The card features $300 in annual statement credits along with a $100 companion air discount and $100 Ritz-Carlton hotel credit that can be used multiple times a year. Those credits alone make up for the annual fee and that's not including the annual free night and, Gold Elite status, and $100 Global Entry/TSA PreCheck credit. If you stay at Ritz-Carlton and/or Marriott hotels, the card can easily be worth the fee.

Authorized User Fee

There is no authorized user fee for the Ritz-Carlton Card. This allows you to add additional users to assist in earning Marriott Bonvoy Points spending in the bonus categories the Ritz-Carlton card has to offer.

Foreign Transaction Fee

The Ritz-Carlton Card does not have a foreign transaction fee meaning you can use your card worldwide without worrying about any penalties.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
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Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
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Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-08-15
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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