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The Ritz-Carlton Rewards Credit Card

The Ritz-Carlton Rewards Credit Card


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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 16.24%
  • Balance Transfer APR 16.24%
  • Cash Advance APR 25.24%
  • Annual Fee $395
  • Late Payment Fee $37
  • Cash Advance Fee $10 or 5% of value, whichever is greater
  • Returned Payment Fee $37
  • Balance Transfer Fee $5 or 5% of value, whichever is greater
  • Foreign Exchange Fee None
  • Minimum Interest Charge None


  • Click "APPLY NOW" to apply online
  • Receive a 10% annual points premium on Ritz-Carlton Rewards points earned through card purchases made during the year
  • 5 points per $1 spent at any participating Ritz-Carlton hotel or worldwide partner hotel
  • 3 upgrades to the Ritz-Carlton Club Level each year
  • $300 annual travel credit
  • $100 hotel credit on paid stays of two nights or longer
  • Worldwide airport lounge access
  • Automatic Ritz-Carlton Rewards Gold Elite status in your first year.

Expert Reviews

From the Editorial Team

You can literally put on the Ritz with this plastic, which lets you earn rewards and benefits at super-luxurious Ritz Carlton hotels worldwide.

Expert Reviews of the The Ritz-Carlton Rewards Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 1.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

For those who spend enough and travel enough to take advantage of all the perks, this card may be worth carrying – despite the high annual fee. For others it is not going to have much appeal.

The Good

You can qualify for two complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months of card membership.
Earn 5 points per $1 at any participating Ritz-Carlton hotel; 2 points per $1 on airline tickets purchased directly with the airline, and at car rental agencies and restaurants; and 1 point per $1 on all other card purchases.
Receive a 10% annual points premium on Ritz-Carlton Rewards points, and a $300 annual travel credit to use for baggage fees, Global Entry fees, seat upgrades, access to your preferred airport lounge and more, and a $100 hotel credit. You also get three complimentary upgrades to The Ritz-Carlton Club level.

The Not So Good

The annual fee is $395, and the APR on purchases and balance transfers is 16.24%. The cash advance APR is 25.24%.
There is a surcharge on balance transfers of either $5 or 5%, whichever is greater; and on cash advances the surcharge is $10 or $5, whichever is greater.


The information related to this Chase-issued credit card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card.

This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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