Ritz-Carlton Rewards® Credit Card review
Earn points at the tony Ritz-Carlton hotels and travel credits with this high-fee card.
- Get this card if… you’re a frequent traveler who loves luxury accommodations and premier privileges.
- Pick something else if…you don’t travel much or don’t want to pay a steep annual fee for benefits.
- Recommended good to excellent credit score of 690 or higher.
Not many cards come with such a steep annual fee as the Ritz-Carlton Rewards Credit Card. Then again, not many cards offer such luxurious benefits as complimentary nights and upgrades at Ritz-Carlton hotels, airline ticket credits and multiple points premiums.
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How to apply
- Go to the Ritz-Carlton Rewards® Credit Card site and click Request Your Card.
- In the next window that appears, click Apply Now.
- Complete the application with details like your name, address, income and employer.
How long will it take to be approved?
Approval for the Ritz-Carlton Rewards® Credit Card generally takes one to three weeks.
The BasicsRitz-Carlton Rewards® Credit Card makes earning points for travel a natural extension of everyday spending. It comes with lots of points benefits for the luxury traveler, with no limits on how many you can accrue: earn 5x rewards points on everyday spending, 2x rewards points on plane tickets and a whopping 1x rewards points at participating Ritz-Carlton locations.
You’ll get big perks and bonuses on traveling expenses, such as access to premier airport lounges, discounts on rental cars and two complimentary nights at a Ritz-Carlton hotel when you spend $4,000 in the first three months after opening your account.
- RITZ-CARLTON BENEFITS: Enjoy perks at hotels internationally.
Get two complimentary nights when you spend $4,000 in the first three months after opening your account.
$100 hotel credit toward spa treatments, dining or other hotel activities on paid stays of two nights or longer.
Three annual upgrades to the Ritz-Carlton Club on paid stays of up to seven nights.
Complimentary Gold Elite status in the Ritz-Carlton Rewards Program during your first year of card ownership.
Access the J.P. Morgan Premier Concierge 24/7 for assistance with needs big and small.
- REWARDS POINTS SYSTEM: A lot of points with no limits.
Earn 1x rewards points on qualifying purchases at participating Ritz-Carlton and SPG hotels.
Earn 2x rewards points when booking plane tickets with an airline, renting a car with an agency or eating out at restaurants.
Earn 5x rewards points on everyday spending.
- TRAVELER FRIENDLY: Added comfort for frequent travelers.
Get complimentary annual Priority Pass Select membership with access to more than 900 airport lounges internationally.
Get an annual $300 travel credit to use toward baggage fees, seat upgrades, airport lounge access and more.
And you’ll get a $100 statement credit toward Global Entry application fee for TSA Pre-Check expedited screenings when traveling.
You’ll also like …
- Sign-up bonus. Earn 10,000 bonus points after your first purchase in the first three months of your account opening.
- Charity outreach system. If you aren’t going to use all your reward points, you can donate them to a variety of charities and causes.
- Minimum credit limit. If approved for an account, your credit access line will be at least $10,000.
- Special airline and car rental privileges. Save more when booking with your Ritz-Carlton Rewards® Credit Card.
- Travel and purchase coverage. Get reimbursed for lost luggage, trip cancellations and other purchases.
What to watch out for
- Steep annual fee. To justify the fee, you’ll need to regularly make use of its luxury benefits beyond its rewards points.
- Good or better credit required. This luxury brand comes with a higher credit requirement.
- Potentially high APR. With an APR of 17.74% to 24.74% variable that varies by creditworthiness, you’ll want to avoid carrying too much of a balance month to month in order to avoid paying unnecessary interest.
What to know before you apply
To apply for the Ritz-Carlton Rewards® Credit Card, you must be at least 18 years old.
What credit score do I need?
You’ll have a better chance of being approved for the Ritz-Carlton Rewards® Credit Card if you have a good to excellent credit score of 690 or higher.
I got the card. Now what?
- Making payments. Register with Chase to manage your account and pay your bills online.
- Avoiding interest payments. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
- Avoiding fees. Avoid hefty fees that come with late payments by paying each statement by the due date.
- Customer service. You have many options for support, including cardmember services at 855-896-2222, the J.P. Morgan Premier Concierge at 877-408-5537 and travel benefits at 855-896-2222. You can also log in to your account for assistance.
Compare other travel credit cards
The Ritz-Carlton Rewards® Credit Card is a good fit for people who seek luxury benefits and exclusive privileges when traveling. But with a high $450 annual fee, you’ll want to be sure that you can use this card’s primary and secondary benefits beyond simple rewards points.
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