For discerning travelers who seek elegance, service, and exclusivity, the Ritz-Carlton™ Credit Card by Chase is more than a credit card — it’s a passport to the finest hospitality in the Marriott Bonvoy portfolio. With elite benefits, exceptional travel protections, and a luxury experience baked into every swipe, this card is tailored for those who expect more — and receive it.
What Is the Ritz-Carlton™ Credit Card?
The Ritz-Carlton™ Credit Card is a premium travel rewards card co-branded by Chase and Marriott Bonvoy, designed for luxury travelers who frequently stay at Ritz-Carlton, St. Regis, JW Marriott, and other high-end Marriott properties.
Though no longer available to the general public, eligible Chase cardmembers may request it via product change. It offers annual travel credits, airport lounge access, automatic elite status, and superior protections.
Key Features and Benefits of the Ritz-Carlton™ Credit Card
$300 Annual Travel Credit
Receive up to $300 annually in statement credits for eligible travel-related purchases, such as:
- Airline seat upgrades
- Baggage fees
- Inflight Wi-Fi or lounge access
- TSA/Global Entry fees
- Hotel incidental charges
This credit offsets much of the card’s annual fee if used strategically.
Gold Elite Status with Marriott Bonvoy
As a cardmember, you receive automatic Marriott Bonvoy Gold Elite status, which includes:
- 25% bonus points on stays
- 2 p.m. late checkout (when available)
- Enhanced room upgrades
- Welcome gift (points)
You can also spend your way to Platinum: earn Platinum Elite status after $75,000 in annual purchases.
Free Night Award (Up to 85,000 Points)
Receive one Free Night Award annually, valid for a redemption of up to 85,000 Bonvoy points, usable at most luxury Marriott properties — including Ritz-Carlton and St. Regis hotels.
Priority Pass™ Select Membership
Enjoy unlimited access to 1,300+ airport lounges worldwide for you and up to two guests, at no additional cost. A major benefit for frequent flyers seeking comfort and convenience.
$100 Luxury Hotel Credit on Ritz-Carlton Stays
When booking stays of 2+ nights at Ritz-Carlton via the Ritz-Carlton Rewards Concierge, receive a $100 property credit for spa treatments, dining, or other amenities.
Travel and Purchase Protections
This card includes Chase’s highest tier of benefits, such as:
- Trip Cancellation/Interruption Insurance
- Trip Delay Reimbursement
- Lost and Delayed Baggage Insurance
- Primary Rental Car Insurance
- Purchase Protection (up to $10,000 per claim)
- Extended Warranty (adds 1 year to eligible warranties)
No Foreign Transaction Fees
Use the card globally with 0% foreign transaction fees, making it ideal for international luxury travel.
Visa Infinite® Luxury Perks
As a Visa Infinite card, enjoy:
- Access to the Visa Infinite Luxury Hotel Collection
- Concierge services 24/7
- Special offers at premium retailers, resorts, and dining venues
Fees and Requirements
- Annual Fee: $450
- Credit Needed: Excellent (FICO 720+)
- Availability: Not open to new applicants — available via product change from select Chase Marriott Bonvoy cards
How to Get the Ritz-Carlton™ Credit Card
- This card is no longer available for public applications
- Existing Chase Marriott Bonvoy cardholders (e.g., Boundless or Bountiful) may call Chase to request a product change, subject to eligibility
- No new welcome bonus is offered upon upgrade
Conclusion: Is the Ritz-Carlton™ Credit Card Worth It?
Yes — for high-end travelers who stay in Marriott luxury properties and value elite service.
With Gold Elite status, a Free Night Award (85K points), $300 in travel credits, and VIP airport lounge access, the Ritz-Carlton™ Card delivers real value for those who take full advantage of its offerings. While the $450 fee may seem steep, the perks — especially for Ritz loyalists — easily outweigh the cost.
Ideal for:
- Marriott Bonvoy elites or aspirants
- Frequent Ritz-Carlton, St. Regis, or JW Marriott guests
- Travelers seeking a luxury card without a points transfer ecosystem
Already a Chase Bonvoy cardholder? Call and upgrade to unlock a world of elevated travel, elegant stays, and unmatched service.
