Chase

The Ritz-Carlton Card

Cobranded Consumer

Annual fee	$450 Fact
Foreign transaction fee	None
Rewards currency	Marriott Bonvoy Points
Est. point value	0.75¢ Estimate

Not available

This card is not currently open to new applications.

Compare with other cards

Last updated Oct 23, 2026

Checked Oct 28, 2026

Before you apply

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

Marriott Bonvoy 24-month rule. 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. Issuer-stated.

General Chase policies as commonly reported by applicants, not a prediction about your application.

How you earn

Category	Rate	Currency	Cap
Hotels	6x	Marriott Bonvoy Points	No cap
Car rentals and cruises	3x	points	No cap
Flights Best card for flights	3x	Marriott Bonvoy Points	No cap
Restaurants Best card for dining	3x	Marriott Bonvoy Points	No cap
Everything else	2x	Marriott Bonvoy Points	No cap

Your elite status

Status This card gives you Gold Elite status with Marriott Bonvoy.

Recurring credits

Estimated value

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.

Shared across the account

$300/yr (Calendar Year)

Credit value depends on whether you use each credit; treat these as potential value.

Certificates

Estimated value

Free Night Award, up to 85,000 points

Can be combined with up to 25,000 more points

$638/yr

A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.

Benefits & protections

Card facts

Elite Status & Upgrades 2

Cardmembers receive a Free Night Award every year after their account anniversary, valid for a one-night stay at a hotel with a redemption level up to 85,000 points, and can combine with up to 25,000 additional points.

Primary cardmember only

Cardmembers automatically receive Marriott Bonvoy Gold Elite status each calendar year, earning 25% Elite Bonus Points on stays, 2 p.m. Late Checkout, and Enhanced Room Upgrade, based on availability.

Primary cardmember only

Other Perks 1

Cardmembers can earn rewards when they refer friends who get approved for a Marriott Bonvoy Credit Card from Chase.

Authorized users on the Ritz-Carlton

Card facts

Authorized users are free.

Shared across the account

$300 annual travel credit

Primary cardmember only

Anniversary free night award
Automatic gold elite status