Ritz-Carlton Credit Card
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 is a premium rewards card. It card offers a great return on Marriott spend and a bunch of useful travel benefits such as an annual $300 travel credit, $100 property credits at Ritz-Carlton and St. Regis hotels, and complimentary Marriott Gold Elite status.
The Ritz-Carlton Card was closed to new applicants July 26th, 2018.
The Ritz-Carlton Card features four bonus categories which are Marriott, airfare, rental car, and restaurant. There's no limit to the amount of Marriott Bonvoy Points you can earn spending in these categories and no limit to the amount of Marriott Bonvoy Points you can earn with the card overall.
6x Marriott Properties
The Ritz-Carlton Card will earn you 6 Marriott Bonvoy Points when used at Marriott. Marriott charges includes paying for your room, room charges, and other charges that categorize as Marriott such as bar/restaurant located in the hotel that Marriott owns.
The 6x earning rate is featured across most of Marriott's credit cards and is the highest amount of points you can earn on Marriott spend.
When you use the Ritz-Carlton Card purchase airline tickets directly with an airline, you will earn 3 points per $1 spent. You will not earn at the 3x rate when booking through third party sites such as Expedia or Orbitz.
You can earn a higher amount of Marriott Bonvoy Points using the Marriott Bonvoy Business AMEX Card which earns at the 4x rate. Looking at Marriott's transfer partners, you can earn 4x-5x using several Membership Rewards credit cards including the AMEX Business Gold (4x) and AMEX Platinum Card (5x).
3x Rental Car
The Ritz-Carlton credit card will earn you 3 Marriott Bonvoy Points per $1 spent on car rentals. This is the highest amount of points you can earn in this category. On top of that, the Ritz-Carlton card offers the Auto Rental Collision & Damage Waiver benefit which allows you to waive that expensive per day rate that car rental agencies charge your when using their insurance.
Using the Ritz-Carlton credit card at restaurants will earn you 3 Marriott Bonvoy Points per $1 spent. You can earn a higher return using the Marriott Bonvoy Business AMEX Card or you can use the AMEX Gold Card to earn 4x Membership Rewards Points and then transfer those to Marriott at a 1:1 ratio.
All non-category spend on the Ritz-Carlton credit card will earn you 2 Marriott Bonvoy Points per $1 spent. This rate is offered across just about all of Marriott's credit cards and it is the best rate you can earn on non-category spend. If you're looking to build your Marriott Bonvoy Points, running non-category spend through this card is totally acceptable.
Perks and Benefits
$300 Annual Travel Credit
Every year, you will receive $300 in annual travel credit that is good for anything that codes as an airline purchase. This includes baggage fees, seat upgrades, lounge access membership/passes, and more. This travel credit is pretty easy to use if you travel and brings down the overall cost of the card to $150.
The Marriott Brilliant AMEX Card offers a $300 Marriott Statement credit instead of a travel credit.
Annual Free Award Night
Every year on your Ritz-Carlton Card member anniversary date, you'll receive a free award night certificate. This certificate is good for a free one-night stay at any Marriott property that costs 50,000 points per night or less. This can land you in as high as a category 7 property at the off-peak rate.
Between the value of this free night award and the $300 annual travel credit, the annual fee of this card should easily be worth it.
15 Elite Night Credits
You will receive 15 elite night credits towards Marriott Elite Status annually. The elite nights with this personal Marriott credit card can be stacked with 15 elite night credits earned on a business Marriott credit card. You can earn up to 30 Elite Night credits per year which is enough nights for Marriott Gold Elite Status.
Marriott Elite Status
Complimentary Marriott Gold Elite Status will be given to you as a Ritz-Carlton Card member. This gives you benefits such as 25% bonus points, 2pm late checkout, upgrades to enhanced rooms, and more.
Spending $75,000 on the Ritz-Carlton Card will grant Marriott Platinum Elite status which bumps up the benefits a notch. You'll earn 50% bonus points, be able to checkout as late as 4pm, and receive room upgrades that include standard suites.
Annual Club Level Upgrades
You'll receive 3 annual club level upgrades usable at Ritz-Carlton hotels. These upgrades are good on paid stays of up to seven nights. You can redeem these by calling The Ritz-Carlton Reservations line.
$100 Property Credit
When you book a two nights or more stay at a St. Regis or The Ritz-Carlton property, you'll receive a complimentary $100 credit good for qualifying dining, spa, or other hotel recreational activities. You'll need to book through the special rate option when booking online which is only visible if you have the Ritz-Carlton Card or Marriott Brilliant AMEX Card.
The standard rate and the special rate are the same cost. There's no increase in price for selecting the special rate. It's just so that the hotel knows to offer you the $100 credit.
Global Entry/TSA PreCheck
Like other premium cards, the Ritz-Carlton comes with a Global Entry / TSA PreCheck credit. This credit will be triggered once the card is used to pay for the application fee of either program. It does not matter who is applying and it does not matter whether or not the application is approved.
Priority Pass Select
You'll receive complimentary Priority Pass Select as a Ritz-Carlton card member. This gives you unlimited access to over 1,200 airport lounges around the world.
As a Ritz-Carlton Card member, you'll receive complimentary premium in-room WiFi when staying at Marriott brand hotels.
Standard Chase/Visa Benefits
You'll receive a bunch of useful benefits from Chase and Visa when you use your Ritz-Carlton credit card to pay for travel, online shopping, and more. These benefits include:
- Lost Luggage Reimbursement
- Auto Rental Collision Damage Waiver
- Trip Cancellation / Trip Interruption Insurance
- Travel & Emergency Assistance Services
- Emergency Evacuation & Transportation
- Roadside Assistance
- Emergency Medical & Dental Coverage
- Travel Accident Insurance
- Baggage Delay
- Purchase Protection
- Return Protection
- Extended Warranty Protection
Sign Up Bonus
The Ritz-Carlton credit card is no longer available to new applicants. The sign up bonus for the card was two complimentary nights at a Tier 1-4 Ritz-Carlton hotel after spending $4,000 within the first 3 months. Ritz-Carlton hotels are no longer tiered by themselves and now fall under the Marriott Bonvoy award chart.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Ritz-Carlton annual fee is $450 which is standard for luxury travel cards. The $300 travel credit and 50,000-point free night certificate more than covers the fee. You can get even more value out of the card when you use the other benefits such as the elite night credits, $100 property credits, Ritz-Carlton club upgrades, and more.
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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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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