Home / Browse Cards / The Ritz-Carlton® Credit Card
The Ritz-Carlton® Credit Card
Chase

The Ritz-Carlton® Credit Card

A $450-a-year hotel card from Chase.

Locked to Marriott Bonvoy
Annual fee
$450/yr
Welcome bonus
Not available — upgrade only (product change from a Chase Marriott Bonvoy card)
Min spend
N/A
Recommended credit
Excellent (740+)
Network
Visa
Foreign transaction fee
None
7.6/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change; check Chase’s official terms for current rates and fees before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $450 annual fee.

Earning rates

6x Marriott Bonvoy points at Marriott portfolio hotels
3x points on dining, airfare, and car rentals
2x points on all other purchases
Free Night Award each anniversary (up to 85,000 points)

Best ways to earn & redeem

Put your dining and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$300 annual travel credit (airline incidental fees and travel purchases)
Automatic Marriott Bonvoy Gold Elite Status (Platinum with $75k annual spend)
15 Elite Night Credits annually
3 club-level upgrades per year on paid stays up to 7 nights
$100 property credit on Ritz-Carlton and St. Regis stays of 2+ nights
Global Entry or TSA PreCheck fee credit
No foreign transaction fees

Lounge access

Priority Pass Select membership (enrollment required): unlimited visits to 1,300+ airport lounges, you plus 2 guests free — one of the few Marriott cards that still includes lounge access

Statement credits

$300 annual travel credit
Free Night Award each anniversary (up to 85,000 pts)
$100 Ritz-Carlton/St. Regis property credit on 2+ night stays
Global Entry or TSA PreCheck fee credit

Alternatives to the The Ritz-Carlton® Credit Card

Pairs well with

The The Ritz-Carlton® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the The Ritz-Carlton® Credit Card lands.

Calculate My Card
Back to all cards