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Relax In Style With The Ritz-Carlton Card

You'll pay a $395 annual fee to get this card.A new prestige credit card — the Ritz-Carlton Rewards Credit Card from Chase — offers rewards I rarely see in a credit card, at an even rarer price: a $395 annual fee.

Is this card worth it? Let’s take a look.

Immediately following your first purchase, you’ll earn 50,000 bonus points, good enough for a free night’s stay at most Ritz-Carlton properties. This can equal a savings of $400 or more.

You’ll earn points on this Visa card for every dollar you spend. But the points are tiered.

You’ll earn:

  • 5 points for every dollar on all Ritz-Carlton stays.
  • 2 points on all airfare, rental car and dining purchases.
  • 1 point for all other purchases.

You can redeem points for a night’s stay beginning at 30,000 points. This is also a tiered system, with the most expensive stay (in Central Park in New York) costing 70,000 points.

The Ritz-Carlton Card ( also comes with a host of benefits specific to anyone who spends a lot of time at these hotels.

Some of the best rewards cardholders receive include:

  • A $100 hotel credit for qualifying dining, spa, and hotel recreational activities during every stay of at least two nights.
  • Travel privileges including a $200 annual credit for airline incidentals, such as baggage fees and in-flight meals.
  • Three upgrades to the Ritz-Carlton Club Level annually and enjoy a dedicated concierge and complimentary food and beverage presentations.
  • Complimentary airport lounge access to hundreds of airport lounges worldwide. Plus, No foreign transaction fees.
  • Automatic Gold Elite status your first year, which entitles you to complimentary room upgrades, priority late checkout and a 25% bonus on The Ritz-Carlton Rewards membership base points.

Along with the annual fee, you’ll pay an annual percentage rate of 15.24% variable (that’s the prime rate of 3.25% plus 11.99%).

If you normally stay at the Ritz-Carlton more than a few times every year, this card is fantastic. If you don’t stay at the Ritz, this card is nothing more than a wallet drain.

If high annual fees aren’t for you, check out the credit card offers in our extensive database, many of which include low- or no-annual fee options.

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