My experience with the Ritz-Carlton Chase credit card

Posted on April 15, 2015 by in Chase Ultimate Rewards


The Card

The card arrived in a heavy package and, while in the same style as the Chase Sapphire card, is much heavier and the design is much more elegant. I think it is the best designed (regular) consumer card out there right now.

The Bonus

I signed up for the card while it was 140,000 Ritz-Carlton Rewards bonus points after completing the minimum spend.

The Minimum Spend

I spend about $10,000 every month on all my credit cards, so going through $3,000 wasn’t an issue. You can use our guide to Manufactured Spending for more ideas on how to get through the minimum spend.

Annual Fee

The card comes with a heavy $395 annual fee which is not waived (for the 140,000 bonus offer).

Lounge Club Membership

The Ritz-Carlton Rewards Visa has a complimentary Lounge Club membership, with unlimited visits for the cardmember plus one guest. The Lounge Club membership is almost equal to Priority Pass now and is a great benefit to have.

Note that Chase and Lounge Club have severed ties and the last day to sign up for the Lounge Club membership is April 22nd.

What To Use The Points For?

You can book Marriott or Ritz-Carlton properties with the points. I went ahead and booked the Ritz-Carlton Almaty (30,000 points) last week.

Travel Credit

The Ritz-Carlton credit card has $300 travel credit per CALENDAR year.

Here is what the Terms and Conditions say:

“Make the most of your trip with a $300 annual travel credit to use for baggage fees, Global Entry fees, seat upgrades, access to your preferred airport lounge and more. Simply use your card for these expenses and call us at 1-855-896-2222, and we will refund the charges after your flight.”

I’ve had no issues so far to get random airline charges (e.g. award fees) refunded, as long as it was not a revenue ticket.

Ritz-Carlton Gold Status

I felt that the front desk agents looked a little more into a possible room upgrade when I’ve handed over the card at a Marriott or Courtyard by Marriott.

For each two-night paid stay, you can also get $100 hotel credit. Since Ritz-Carlton are now eligible for a Marriott BRG claim, this could be something I’ll be doing very soon.


This is a great card that makes for an awesome introduction to the Ritz-Carlton brand.

If you like this post – subscribe via email or follow us on Twitter.