Earning Rates
- Earn 6X Bonvoy points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy.
- Earn 3X Bonvoy points per $1 spent on dining, car rentals and airline purchases.
- Earn 2X Bonvoy points per $1 spent on all other purchases.
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Ritz-Carlton Card earning rate
The Ritz-Carlton Card earns Marriott Bonvoy points at the following rates:
- 6 points per $1 spent at participating Marriott Bonvoy hotels.
- 3 points per $1 spent on dining, car rentals, and airline purchases.
- 2 points per $1 spent on all other purchases.
Ritz-Carlton Card points value
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Ritz-Carlton Card benefits
Here are the main benefits of the Ritz-Carlton Card:
- Gold Elite Status: Receive automatic Gold Elite status every year.
- Annual Elite Nights: Receive 15 Elite Night Credits each calendar year.
- Annual Free Night Award: Receive a free night award worth up to 85,000 points. This can be topped off with an additional 15,000 points from your account.
- $300 Travel Credit: Every year, receive a $300 travel credit that can be used for baggage fees, lounge passes, seat assignments, and more.
- Annual Elite Nights: Earn 15 elite night credits every calendar year.
- Gold Elite Status: Receive automatic Gold Elite Status every year with the ability to earn Platinum Elite Status after spending $75K during the calendar year.
- Ritz-Carlton Club Upgrades: Receive 3 upgrades to the Ritz-Carlton Club each year that are valid on eligible paid stays.
- Global Entry or TSA PreCheck: Receive up to a $120 statement credit when you use your card to pay for a Global Entry or TSA PreCheck application fee every four years.
- Airport Lounge Access: Enjoy airport lounge access through Priority Pass as well as access to Chase Sapphire Lounges for yourself, additional cardholders, and guests.
- Travel & Purchase Coverage: Trip Cancellation Insurance, Trap Interruption Insurance, Trip Delay Reimbursement, Lost Luggage Reimbursement, Auto Rental Collision Damage Waiver, Return Protection, Purchase Protection, and Extended Warranty Protection.
Ritz-Carlton Card points transfer
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Ritz-Carlton Card fees
Annual Fee
The Ritz-Carlton Card has an annual fee of $450.
Considering everything that this card offers, this is a superb deal. Even if you don't stay at Ritz-Carlton hotels often, this card can easily compete with the more expensive Marriott Bonvoy Brilliant® American Express® Card.
Authorized User Fee
There is no cost to add authorized users to the Ritz-Carlton Card which is a steal since cardholders also receive Priority Pass Lounge and Chase Sapphire lounge access. If you have family or friends that travel often, adding them can be beneficial if they're sometimes travel without the primary cardholder.
Foreign Transaction Fee
The Ritz-Carlton Card has a 0% foreign transaction fee. That makes it great card for earning Marriott Bonvoy points on purchases made outside of the United States.
Ritz-Carlton Card points calculator
Calculate how many Marriott Points you can earn with the Ritz-Carlton Credit Card based on the monthly or yearly spending amounts you enter. Compare the results alongside up to two credit cards from any issuer.
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If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spending Total
The amount of rewards earned from card spending.
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If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
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Rewards Average Value By Redemption
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Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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Reward Transfers To Partners
Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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This is the total cash value of each listed card when factoring in all rewards and all fees.
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Our Top Credit Card Picks
We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:
- Best flexible travel card: Capital One Venture Rewards Credit Card
- Best overall value year after year: Chase Sapphire Preferred® Card
- Best for high cash back: Blue Cash Preferred® Card from American Express
- Best for foodies: American Express® Gold Card
- Best for business travel rewards: Ink Business Preferred® Credit Card
- Best for heavy business spenders: Capital One Spark Cash Plus
