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Ritz-Carlton Rewards® Credit Card review

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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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The Basics

Ritz-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.

The Perks

  • 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.

How to apply

1. Go to the Ritz-Carlton Rewards® Credit Card site and click Request Your Card.
2. In the next window that appears, click Apply Now.

Ritz-Carlton Rewards® Credit Card APPLY NOW website screenshot
3. Complete the application with details like your name, address, income and employer.

Ritz-Carlton Rewards® Credit Card personal information application webpage screenshot

How long will it take to be approved?

Approval for the Ritz-Carlton Rewards® Credit Card generally takes one to three weeks.

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

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Bottom line

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.
Compare Chase credit cards

Frequently asked questions about the Ritz-Carlton Rewards® Credit Card

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4 Comments

  1. Default Gravatar
    Steve
    September 21, 2018

    Hi Megan I received my Ritz card this June, They say the platinum elite is good till Feb 2020.Do you know when I would have to start the 75K to keep the platinum going? Thank You

    • Default Gravatar
      Ash
      September 22, 2018

      Hello Steve,

      Thank you for contacting finder.

      You must keep the $75,000 spent after your card’s Anniversary. If you were informed that your Platinum Elite Status is until 2020, after your anniversary in 2020, you must continue meeting the required spent so you can maintain your Membership Status.

      I hope this helps.

      Please do not hesitate to reach out to us if you have additional questions.

      Cheers,
      Ash

  2. Default Gravatar
    Nate
    April 2, 2018

    My credit score is excellent [790-820] I’m retired and my income not so [40,000] But my children is willing to help as authorized users if its allowed [I have six kids all doing well] Notwithstanding their help, will my annual income be a problem?

    • Avatarfinder Customer Care
      May
      April 2, 2018

      Hi Nate,

      Thanks for your question.

      Depending on Ritz-Carlton’s assessment of your overall financial situation, with your $40K income, you may or may not be approved for their credit card. Generally, your income can come into play when a bank considers your application. They vary on eligibility requirements. They usually look into your ability to repay the debts. If you like to know if you can be approved for a Ritz-Carlton Rewards Credit Card, best to contact them directly to confirm.

      Cheers,
      May

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