The Ritz-Carlton card is aimed at Marriott loyalists who travel often enough to use its credits, starting with up to $300 a year toward airline incidentals like bag fees, seat upgrades, and lounge passes. Add an annual free night worth up to 85,000 points, automatic Gold Elite status, 15 elite night credits, and Priority Pass Select with access to Chase Sapphire Lounges, and the $450 annual fee can be offset for the right traveler. It earns 6 points per dollar at participating Marriott Bonvoy hotels, 3x on dining, airlines, and car rentals, and 2x on everything else, with no foreign transaction fees. The catch is that the value depends on actually flying, staying at Marriott properties, and redeeming the free night well; if you do not use the airline credit, the fee becomes hard to justify. The $100 property credit on two-night Ritz-Carlton and St. Regis stays and the Global Entry credit are useful extras.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Marriott Bonvoy participating hotels (card portion; Gold Elite bonus points are a program rate, not a card rate) | 6x |
Dining | 3x |
Airlines | 3x |
Car Rentals | 3x |
Everything Else | 2x |
| Benefit | Value |
|---|---|
Annual Travel Credit Up to $300 in statement credits each year on qualifying airline purchases such as baggage fees, seat upgrades, and lounge memberships or day passes | $300 /yr |
Global Entry or TSA PreCheck Credit Up to $120 statement credit toward a Global Entry application fee, which also confers TSA PreCheck privileges | $120 |
Hotel Credit Up to $100 in property credit for qualifying dining, spa, or recreation charges on stays of two nights or more at The Ritz-Carlton and St. Regis properties | $100 |
| Total annual credits | $300 |
Card details
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Ritz-CarltonBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.