Chase · Visa
The Ritz-Carlton Credit Card
Hard to get
Closed to new applicants since about 2018. You can only get it by product-changing (upgrading) a Chase Marriott Bonvoy personal card - Boundless, Bold or Bountiful - that you have held for at least 12 months: call Chase and ask. TPG also reports you need roughly a 670+ credit score and a $10,000+ credit line. No welcome bonus is offered on a product change. [1] [2] [3]
Fee: $450 (TPG 2026-08-10, Upgraded Points 2026-03-13). Authorized users are free and each gets their own Priority Pass Select membership.
- Annual fee
- $450
- Credits / yr
- $330
- $210 realistic
- Net cost
- $240
Annual Free Night Award up to 85,000 points (top up with 25k)$300/yr airline incidental credit (you request it from Chase)Priority Pass + Sapphire Lounges, 2 free guests; free authorized users get their ownMarriott Gold Elite, 15 Elite Night Credits, 3 Club Level upgrades6x Marriott, 3x flights/car rental/dining, 2x everything elseProduct change only, from a Chase Marriott card held 12+ months
Statement credits
- $300 $300 annual travel credit (airline incidentals)
Up to $300 a year in statement credits for airline incidentals: seat upgrades, checked-bag fees, in-flight services (Wi-Fi, food/drink), airline lounge day passes or annual lounge memberships. Not airfare. Not automatic: you ask Chase (phone or secure message) for the credit within 4 billing cycles of the purchase (Chase benefits page; TPG 2026-08-10). · medium to use · enroll
- $120 /every 4 years Global Entry / TSA PreCheck credit
One statement credit of up to $120 per card every 4 years for the Global Entry or TSA PreCheck application fee charged to the card (Chase benefits page). · easy to use
Perks
- Annual Free Night Award (up to 85,000 points)Issued after each account anniversary. Good for one night in a standard room at a property costing up to 85,000 points; you can add up to 25,000 of your own points for a pricier hotel (Chase benefits page). Resort fees may apply at some hotels.
- Priority Pass Select for cardholder and each authorized userAccess to 1,300+ Priority Pass lounges. From 2026-01-15 each cardmember or authorized user may bring up to 2 guests free and pays $27 for each extra guest; before that, guests were unlimited (Chase secure message 2025-12-12, reported by Frequent Miler, Upgraded Points and Doctor of Credit). Free authorized users each get their own membership.
- Chase Sapphire Lounges by The ClubFree entry to Chase Sapphire Lounges for the cardholder and authorized users, with the same 2-free-guest rule as Priority Pass (Chase benefits page).
- Automatic Marriott Bonvoy Gold Elite; Platinum at $75,000 spendGold Elite every year: 25% Elite bonus points and 2 p.m. late checkout when available (Chase benefits page). TPG reports Platinum Elite after $75,000 in purchases in a calendar year.
- 15 Elite Night Credits every calendar year15 Elite Night Credits deposited on or before March 1 each calendar year (Chase benefits page). Elite Night Credits post from only one Marriott personal card per year.
- 3 Ritz-Carlton Club Level upgrades a yearThree certificates to upgrade to The Ritz-Carlton Club on qualifying paid stays each account anniversary year, up to 7 nights per stay (Chase benefits page).
- $100 on-property credit at Ritz-Carlton / St. Regis$100 credit toward dining, spa or other hotel activities on a qualifying paid stay of 2+ nights at The Ritz-Carlton or St. Regis (Chase benefits page). This is a per-stay credit on the hotel bill, not a Chase statement credit, so it is not counted in the credit total.
- Rental car elite status (Visa Infinite)TPG (2026-08-10) lists complimentary Avis Preferred Plus, Hertz Gold Plus Rewards and National Emerald Club Executive status through Visa Infinite. Not on Chase's Ritz benefits page.
- No foreign transaction fees
- Marriott Bonvoy airline transfersPoints go into your Marriott Bonvoy account and transfer to Marriott's airline partners, usually at 3:1.
- Primary auto rental collision damage waiverPrimary coverage up to $75,000 for theft and collision damage on most rentals when you decline the rental company's CDW and pay with the card (Chase benefits page).
- Trip cancellation / interruption insuranceUp to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable fares cancelled or cut short for covered reasons such as sickness or severe weather.
- Trip delay reimbursementUp to $500 per covered traveler for meals, lodging and similar costs when a trip is delayed more than 6 hours or needs an overnight stay.
- Baggage delay insuranceUp to $100 a day for up to 5 days when bags are delayed more than 6 hours.
- Lost luggage reimbursementUp to $3,000 per covered traveler for lost, damaged or stolen bags.
- Emergency evacuation and transportationUp to $100,000 for medical services and transportation if you are hurt or fall ill on a trip 100+ miles from home.
- Emergency medical and dentalUp to $2,500 in medical expenses ($50 deductible) on a trip 100+ miles from home.
- Travel accident insuranceUp to $1,000,000 accidental death or dismemberment.
- Purchase protectionCovers new purchases against damage or theft for 120 days, up to $10,000 per item.
- Extended warranty protectionAdds one year to eligible U.S. manufacturer warranties of 3 years or less, up to 4 years total.
- Return protectionReimbursement up to $500 per item and $1,000 per 12 months for eligible items a store won't take back within 90 days.
- Roadside assistance (covered)Up to $50 per incident, 4 times a year, for towing, jump-starts, tire changes, lockouts and fuel delivery.
Protections
| Purchase protection | 120 days, up to $10,000 per item against damage or theft |
| Extended warranty | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) |
| Return protection | 90 days, up to $500 per item / $1,000 per 12 months |
| Trip cancellation / interruption | Up to $10,000 per covered traveler / $20,000 per trip |
| Trip delay | Up to $500 per covered traveler after 6 hours or an overnight stay |
| Baggage delay | Up to $100/day for up to 5 days after 6 hours |
| Lost luggage | Up to $3,000 per covered traveler |
| Rental car collision | primary |
| Roadside assistance | Up to $50 per incident, 4 times a year |
| Travel accident | Up to $1,000,000 accidental death or dismemberment |
Earning, approval rules & sources
- 6x Marriott Hotels (booked direct) — 6x at hotels participating in Marriott Bonvoy (incl. Ritz-Carlton and St. Regis). TPG counts up to 18.5x total with Bonvoy member base points and the Gold Elite bonus; only the card's 6x is filed here.
- 3x Airfare (booked direct) — 3x on airline purchases (TPG, Upgraded Points).
- 3x Rental cars — 3x on car rentals (TPG, Upgraded Points).
- 3x Dining & restaurants — 3x at restaurants (TPG, Upgraded Points).
- 2x Everything else — 2x on all other purchases (TPG, Upgraded Points).
Chase approval rules: 5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Closed to new applicants; available only by product change from a Chase Marriott card held 12+ months. 2026 change: from 2026-01-15, lounge guests (Priority Pass and Chase Sapphire Lounges) are capped at 2 free per cardmember or authorized user, with $27 for each extra guest; they had been unlimited before (Frequent Miler, Upgraded Points, Doctor of Credit). Because authorized users are free and each gets their own Priority Pass, adding one is the workaround for larger groups. The $300 travel credit must be requested from Chase within 4 billing cycles; it is not applied automatically. Chase's benefits page does not list the fee or earn rates; those come from TPG (2026-08-10) and Upgraded Points (2026-03-13), which agree. The Doctor of Credit review found in search is from 2014 (the old $395 fee and 5x/1x earn) and was not used for current terms. The Platinum Elite at $75k spend and the Visa Infinite rental car status come from TPG only. Points do not expire as long as the Marriott Bonvoy account has activity at least every 24 months (general Bonvoy rule).