Ritz Carlton-Credit Card (N/A)
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.
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.
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.
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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