The Ritz-Carlton Rewards® Credit Card review

Robin Saks Frankel  in  Hotel How we rate our cards  | is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.

Chase Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Regular APR:
17.74% - 24.74% (V)
Terms and Restrictions Apply

Bankrate Rating

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our excellent credit category page.


Editor’s note: Some of the offers on this page may be expired. Check out our Best Credit Cards page for the most up-to-date offers for our favorite credit cards.

If only the Ritz-Carlton properties will do when you’re traveling, The Ritz-Carlton Rewards Credit Card can be well worth the substantial price of ownership. The key with this card is making sure you maximize all the benefits it offers.


With its $450 price tag, The Ritz-Carlton Rewards Credit Card may at first glance hardly seem worth it when stacked up against other luxury credit card heavy-hitters like the Chase Sapphire Reserve. But if you stay at a Ritz a few times a year and use all of the perks attached to it, the value can far exceed the price tag.

The Ritz-Carlton assigns its properties various tier designations, with the highest Tier 9 considered the swankiest. The current sign-up bonus with this card offers two free nights at participating Tier 1-4 Ritz-Carton properties if you spend $4,000 within the first three months of opening an account. That alone can be worth hundreds more than the cost of the card.

When Bankrate looked to determine the value of this benefit, we found that the least expensive room at the only Tier 1 Ritz-Carlton in the United States — the Tysons Corner, Virginia location — started at $559 a night. A basic garden view room with a king-sized bed and a balcony at the Tier 4 Ritz-Carlton, Laguna Niguel in California is listed at $685 a night.

The sign-up bonus will net you two nights for free at either of those spots and dozens more that qualify.

The sign-up offer also includes an additional 10,000 bonus points after you add the first authorized user and they make their first purchase.

One night free at a Tier 1 property is 20,000 points, and every Tier requires another 10,000 points up to a maximum of 60,000 points for a Tier 6 property.

The Ritz-Carlton Rewards Credit Card pays 5 points for every $1 spent at participating Ritz-Carlton and SPG properties (that’s Starwood hotels), 2 points per $1 on airfare booked directly through the airline, car rental agencies and restaurants and 1 point per $1 on all other spending.

If you meet the spending requirement and add an authorized user, you could be well on your way to even more free nights.

The card also grants you three Club level upgrade passes each year on paid stays of up to seven nights. Club-level rooms give you access to the club lounge, an area that is always stocked with food and drinks and replenished throughout the day. Prices for these rooms typically range anywhere from $150 to $300 more than the price of a standard room.

You could theoretically fill up on all of your meals in the club lounge without spending a cent in a restaurant. Many of the lounges have full bars and various regional tastings throughout the day. Even if you just use it for coffee and a snack, it could save you from paying for a pricy restaurant breakfast every morning.

Other awesome attributes of this card include an annual $300 airline incidental credit. You’ll have to call the issuer and ask them to give you a statement credit as it’s not an automatic benefit like with some other cards.

You also get a Priority Pass membership for airport lounge access worldwide, a $100 hotel credit on paid stays of two nights or longer and a $100 Global Entry application fee reimbursement every four years.

Did we mention the automatic Gold Elite status you also get the first year of card ownership? This will give you free Wi-Fi, complimentary room upgrades, late check-out privileges and a 25% rewards bonus on your base points earnings.

If it’s flexible rewards you want, this is not the card for you. But if you’re willing to pay for it upfront in ownership cost, no other hotel-branded card gives you so much in return.

Who should get this card

Ritz enthusiasts who can take full advantage of all the benefits and perks that come with this card.

  • The sign-up bonus of two nights free could be worth far more than the cost of owning the card.
  • Three club-level upgrade passes can save you a ton of food and drink.
  • The card is jam-packed with benefits, like Priority Pass Membership, Global Entry fee and the $300 airline incidental credit.
  • The annual fee is high.
  • If you don't take advantage of the perks that come with this card, it's not worth the fee.
  • Many of this card’s benefits are only meaningful if you stay at the Ritz-Carlton a few times a year.

Fees and APR

• The annual fee is $450.
• The variable APR on purchases and balance transfers is 17.24% to 24.24% based on creditworthiness.
• You won’t incur any fees for foreign transactions.
• There’s a balance transfer fee of 5% of the amount being transferred.
• Late payments won’t affect your APR, but you will have to pay a penalty of up to $37.

Extras, perks and using points

As a Visa Infinite card, you can receive a $100 discount on the purchase of between two and five round-trip domestic coach tickets. The Visa Infinite rewards program is an additional way to earn with your card, offering travel and rewards benefits alongside a multitude of other perks. Further details can be found in our comprehensive Visa Infinite program guide.

Points expire if there is no activity on your account within 24 months. Qualifying activity counts as either earning Ritz-Carlton rewards through a qualified stay or using your card to make a purchase.

To redeem your points, log in to your account. Select the property you are interested in and then in the reservations window, select “Use Rewards Points.” You can also choose to use a combination of points and cash toward rooms. If you redeem your points for at least four nights, you’ll get a complimentary fifth night.

You can also redeem your points for stays within the Marriott family of participating hotels.