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The Ritz-Carlton Rewards Credit Card review
Written by India Davis is an editor specializing in credit cards and updates.
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She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has Aug. 10, 2022 Edited by Senior Editor Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections.
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Aug. 10, 2022
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PREV NEXTSnapshot
4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research.
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Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bottom line With its $450 price tag, The Ritz-Carlton Rewards Credit Card may at first glance hardly seem worth it when stacked up against other luxury credit card heavy hitters like the Chase Sapphire Reserve.
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But if you stay at a Ritz a few times a year and use all of the perks attached to it, the value can far exceed the price tag. , your chance to earn and redeem rewards expands further.
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How you earn
There is a Ritz-Carlton in almost every major city, giving you the opportunity to earn 6X points per dollar every time you go out of town. Should a Ritz-Carlton not be available, there is a good chance that you can stay at a Marriott Bonvoy hotel for the same rewards rates.
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You also earn 3X points on airfare booked directly through the airline, car rental agencies and restaurants and 2X points on all other spending. At Marriott Bonvoy properties, you earn 6X points for every $1 at participating hotels, 10X points for being a and 2.5% points because of your Gold Elite Status.
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In total, you can earn up to 18.5X points per stay at Marriott Bonvoy hotels and resorts.
How to redeem
You can choose to use a combination of points and cash toward free nights, rooms, flights, shopping, or experiences.
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If you redeem your points for at least four nights, you'll get a complimentary fifth night. You can also redeem your points for stays within the Marriott Bonvoy family of participating hotels. Points expire if there is no activity on your account within 24 months.
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Qualifying activity counts as either earning Ritz-Carlton rewards through a qualified stay or using your card to make a purchase.
Other Cardholder Perks
If you stay at a Ritz a few times a year and use all of the perks attached to it, the value can far exceed the price tag.Automatic Gold status
Did you know you receive automatic Marriott Bonvoy Gold Elite status your first year of card ownership?
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This will give you free Wi-Fi, complimentary room upgrades, late check-out privileges and a 25% rewards bonus on your base points earnings. It also makes it easier to earn free nights at a Tier 1 property is 20,000 points, and every Tier requires another 10,000 points up to a maximum of 60,000 points for a Tier 6 property.
Airport benefits
Other awesome attributes of this card include an annual $300 airline incidental credit.
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You'll have to call the issuer and ask them to give you a statement credit as it's not an automatic benefit like with some other cards. You also get a for airport lounge access worldwide, a $100 hotel credit on paid stays of two nights or longer and $100 Global Entry application fee reimbursement every four years.
How much are rewards worth
You can receive one night free at a Tier 1 property is 20,000 points, and every Tier requires another 10,000 points up to a maximum of 60,000 points for a Tier 6 property.
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The card also grants you three Club level upgrade passes each year on paid stays of up to seven nights. Club-level rooms give you access to the club lounge, an area that is always stocked with food and drinks and replenished throughout the day.
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Prices for these rooms typically range anywhere from $150 to $300 more than the price of a standard room.
Rates & fees
The price to carry the Ritz-Carlton Rewards credit card can be pretty steep for most cardholders.
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For starters, it has an annual fee of $450 along with an APR of 17.74 to 24.74 percent (when last updated), already higher than the national average. This interest kicks in immediately as there are no introductory APRs on purchases or balance transfers.
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There is a small upside to the fact that there are no foreign transaction fees so this is great to use at international Ritz-Carlton hotels and resorts.
How the Ritz-Carlton Rewards Card compares to other cards
The Ritz-Carlton Rewards card has high rewards to match its high annual fee.
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This card is perfect for those who know exactly where and how they want to stay when traveling. However, this card may be too limited for most cardholders. Take a look at the options below that may be better fitted for frequent travelers.
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The Ritz-Carlton Rewards® Credit Card
star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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Annual fee Intro offer Intro offer is not available to this Chase credit card Rewards rate 6 points per $1 spent at participating The Ritz-Carlton Rewards and SPG hotels worldwide. 3 points for every $1 on dining, car rentals and airline purchases.
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2 points per $1 spent on all other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Marriott Bonvoy Brilliant® American Express® Card
on American Express's secure site Annual fee Intro offer Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months. Rewards rate Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program.
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3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
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Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Chase Sapphire Reserve®
on Chase's secure site Annual fee Intro offer Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards Rewards rate Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards.
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Earn 5x total points on flights through Chase Ultimate Rewards. Earn 3x points on other travel and dining.
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Earn 1 point per $1 spent on all other purchases Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Ritz-Carlton Rewards Card vs Marriott Bonvoy Brilliant® American Express® Card
For those who want to cut the middleman, the is a very comparable co-brand card. Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines.
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2 points on all other eligible purchases. The Marriott Bonvoy Brilliant also has a welcome offer of 150,000 bonus points when you spend $5,000 within three months of account opening. With potential statement credits each year, which easily help offset its $650 annual fee.
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Marriott Bonvoy® Platinum Elite Status: With complimentary Platinum Elite status, earn 5X points on every eligible hotel purchase for qualifying rates. That's 50% more points on hotel purchases.
Ritz-Carlton Rewards Card vs.
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Chase Sapphire Reserve® Though the may have a steeper annual fee ($550) and higher interest (19.99 to 26.99 percent, variable), this card is one of Bankrate's highest rated cards for a good reason. Unlike the Ritz-Carlton card, the Chase Sapphire Reserved covers and rewards much more through the Chase Ultimate Rewards portal.
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You earn 10X points on hotels, car rentals, and Chase dining purchases along with 5X points on air travel. This gives you a chance to get up to 35X points on every vacation. Not to mention the automatic $300 travel credits, the Chase Sapphire Reserve definitely is worth its yearly bill.
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That being said, a lot of the card's earning power does rely on its rewards portal to do the work. The extra work may not be ideal for a frequent traveler who already knows what they want and doesn't want to compromise.
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It also has a competing welcome offer of 80,000 points after $4,000 within the first three months for its price point. If you want a more straightforward luxury travel card, this may not be the best fit.
Best cards to pair with the Ritz-Carlton Rewards Card
Because the Ritz-Carlton Rewards card is so focused, it would be better to have a more general card to pair with it.
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A general travel card with a lower annual fee, like the , can be a good addition, as it still has rewards geared towards travel but doesn't have a steep price. With 3 points per $1 spent on gas stations, flights, and hotels, you can travel anyway you want and still be rewarded.
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It also helps that it's not attached to a particular brand, making it even more flexible. However, if you prefer the concentrated perks of a co-brand, an airline card such as the could also match well with the Ritz-Carlton Rewards card.
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With Delta being one of the largest airlines in the world, there are plenty of opportunities to use this card. While the rewards rate is lower (3X points per Delta purchase, 2X per U.S.
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supermarkets and restaurants), the price is also lower at $95 per year.
Bankrate Take Is the Ritz-Carlton card worth it
Yes, if you have the Ritz-Carlton Rewards credit card and stay at both Ritz-Carlton and Marriott-Bonvoy properties. Because of this partnership, the card's long-term value has increased.
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That being said, this card can be a no-go due to its lack of availability for potential cardholders. There are other hotel co-brand cards that give people high rewards for a lower annual fee.
ON THIS PAGE
Written by India Davis India Davis is an editor specializing in credit cards and updates.
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She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic. Edited by Senior Editor
Advertiser Disclosure
Bankrate.com is an independent, advertising-supported comparison service.
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The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories.
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Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers.
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Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty.
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After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date.
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All products or services are presented without warranty. Check the bank’s website for the most current information.
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