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The Ritz-Carlton Rewards® Credit Card review

Cardholders can earn valuable rewards on frequent Ritz-Carlton stays.

 /  5 min
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Snapshot

4.9

Bankrate rating
Info
Rating: 4.9 stars out of 5

Bottom line

With its $450 price tag, the Ritz-Carlton Credit Card may seem pricey for a cobranded luxury credit card. However, if you frequently stay at Marriott Bonvoy locations and utilize all of the card perks, this card sneaks in as one of the best Marriott reward cards around.

Image of The Ritz-Carlton Rewards® Credit Card

The Ritz-Carlton Rewards® Credit Card

*
4.9
Rating: 4.9 stars out of 5
Bankrate score
Info
Excellent (740 – 850)
Info
Recommended Credit

N/A

Intro offer

Info

N/A

Offer valuation

Info

2X - 6X

Rewards rate

Info

$450

Annual fee

17.74% - 24.74% (V)

Regular APR

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Bankrate Insight

This card has been discontinued and is no longer taking new applications. However, you can still obtain this card through a Chase product change from an existing Marriott credit card. You’ll need to meet a few requirements for the product change, including owning the Marriott card for at least 12 months and having an available credit limit of at least $10,000. 

The Ritz-Carlton™ Credit Card Overview

If you can get it, the Ritz-Carlton™ Credit Card is among the best reward cards for Marriott customers, offering its highest rewards rate at hotels participating in Marriott Bonvoy — up to 18.5X points per dollar spent at Marriott Bonvoy locations depending on your elite status and Marriott Bonvoy membership. However, if you’re unsure whether you would utilize the card’s perks enough to offset the annual fee, consider switching to a general travel or rewards card that allows you to earn and redeem rewards for hotel stays. 

  • Credit Card Cash Back

    Rewards

    • 6 points per dollar spent at hotels participating in Marriott Bonvoy®
    • 3 points on dining, car rentals and airline purchases
    • 2 points per dollar spent on all other purchases.

    Expert Appraisal: Good

  • Credit Card Search

    Rates and fees

    • $450 annual fee
    • No foreign transaction fees
    • 17.74 percent to 24.49 percent APR

    Expert Appraisal: Typical

  • Congrats

    Other cardholder perks

    • Anniversary Free Night Award (worth up to 85,000 points) 
    • $300 annual travel credit for airline incidentals
    • $100 hotel credit at The Ritz-Carlton and St. Regis properties
    • Priority Pass Select membership

    Expert Appraisal: Exceptional

Alternatives to The Ritz-Carlton Credit Card

The Ritz-Carlton Credit Card offers high rewards rates to match its high annual fee, making it a great choice if you’re focused on earning rewards for Ritz-Carlton and Marriott stays. However, this card may be too costly for some cardholders to keep and may not be ideal if you want the flexibility to earn and redeem rewards at hotels that aren’t part of the Marriott Bonvoy program. Consider these alternatives:

Image of The Ritz-Carlton Rewards® Credit Card

The Ritz-Carlton Rewards® Credit Card

Annual fee

$450

Intro offer

N/A

Rewards rate

2X - 6X
Info

Recommended Credit Score

Excellent (740 – 850)
Info
Image of Marriott Bonvoy Brilliant® American Express® Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock
on American Express's secure site

Annual fee

$650

Intro offer

Earn 95,000 Marriott Bonvoy bonus points
Info

Rewards rate

2X - 6X
Info

Recommended Credit Score

Good to Excellent (670 – 850)
Info
Image of Chase Sapphire Reserve®
Bankrate Score
Apply now Lock
on Chase's secure site

Annual fee

$550

Intro offer

75,000 bonus points
Info

Rewards rate

1x - 10x
Info

Recommended Credit Score

Excellent (740 – 850)
Info

Ritz-Carlton Credit Card pros and cons

Pros

  • Checkmark

    You can continue to earn free nights at The Ritz-Carlton.

  • Checkmark

    The card maintains its complementary Marriott Bonvoy Gold elite status.

  • Checkmark

    You’ll receive an enormously valuable annual free night award that beats many competitor offerings.

Cons

  • The high annual fee may be hard to justify with the lack of ongoing support, especially if you don't take advantage of the perks.

  • The annual travel credit mainly covers incidentals like baggage fees and seat upgrades, not an entire airline ticket.

  • You’ll have more flexibility in how you earn and redeem rewards with a general travel rewards card.

Best cards to pair with the Ritz-Carlton Rewards Card

While The Ritz-Carlton Rewards Credit Card has excellent rewards rates and perks, it is most advantageous for existing cardholders who frequently stay at Marriott Bonvoy locations throughout the year. It may be beneficial to pair a general rewards card with it, whether for travel or everyday purchases.

Bankrate Take: Is the Ritz-Carlton card worth it?

Yes, if you have The Ritz-Carlton Credit Card and stay at Marriott Bonvoy properties, the card is worth keeping (and may be worth pursuing if you don’t have one). The card offers excellent travel perks for the price, including one of the best free-night award values out there. But if you’re focused primarily on earning rewards, there are other hotel co-branded cards that offer high rewards for a lower annual fee.

Written by
India Davis
Editor, Credit Cards

India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.

Edited by Former Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.