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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

The Ritz-Carlton Card card art
Ritz-Carlton 1 of 1
Comparing 1 card
The Ritz-Carlton Card card art
Chase
Ritz-Carlton
Not available Details
Cost and value $450 fee
Annual fee
$450
Credits you can use a year, if you use every one
$300
Fee after credits
$150 a year net cost
Point value per point or mile
0.75¢ Estimate
Rewards currency
Marriott Bonvoy Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus No current offer
Bonus
No current offer
Estimated value
Not listed
Spend to earn it less a month is easier
No current offer
Earning rates Top rate 6x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x about 2.2% back
Flights
3x about 2.2% back
Everything else
2x about 1.5% back
Only on this card
  • 3x Car rentals and cruises
  • 6x Hotels
Statement credits $300 a year
Travel booking
  • $300 a year resets every year
    What counts

    Up to $300 in statement credits per calendar year for qualifying airline purchases such as baggage fees, seat upgrades, in-flight purchases, and lounge memberships or passes.

Monthly credits to track fewer is less work
0
Certificates and passes 1 free night, about $638 a year
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Free nights
  • Free Night Award, up to 85,000 points Can be combined with up to 25,000 more points, each card year, about $638 a year
Yearly value certificates that arrive each card year
about $638
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Marriott Bonvoy Gold Elite
Elite status
  • Marriott Bonvoy: Gold Elite
Protection and insurance None listed
Lifestyle and other perks 1 perk
Other perks
  • Cardmembers can earn rewards when they refer friends who get approved for a Marriott Bonvoy Credit Card from Chase.
Authorized users Free
Cost
Authorized users are free.
Each one gets
Not listed
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
  • Marriott Bonvoy 24-month rule Issuer-stated
    What counts

    Marriott Bonvoy welcome bonuses are restricted across both Chase and American Express if you currently hold a conflicting Marriott Bonvoy card or earned a Marriott Bonvoy welcome or upgrade bonus in the past 24 months.

Card type
Personal