Chase
Ritz-Carlton Credit Card
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Card review
Ritz-Carlton Credit Card
Chase
Last updated October 9, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$450
Welcome bonus
See issuer
Est. net value
$1,100/yr
Credit score
Varies
Top earn rate
6x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Ritz-Carlton Credit Card from Chase carries a $450 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $475.32 in rewards plus $1,075.00 in credits and perks — $1,100.32 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseMarriott | 6× |
| Everything elseAirfare | 3× |
| DiningDining | 3× |
| Everything elseCar rentals | 3× |
| Everything elseAll Purchases | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Travel$300/yr
$300 annual credit to be used on a variety of travel purchases, such as baggage fees, seat upgrades, and preferred lounge memberships or passes. Must call in to activate this credit.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Free Night$300/yr
Free night to be used at Marriott properties with redemption levels of 50,000 points or less.
- Marriott Gold$75/yr
Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.
- Marriott Platinum (w/ spend)$150/yr
Get Marriott Platinum status when you spend $75,000 in a calendar year.
- Marriott Platinum$150/yr
- Club Upgrade
Receive three complimentary Club Level upgrades e-certificates. You can use your Club Level room upgrade on paid stays of up to seven nights by calling The Ritz-Carlton Reservations at 1-800-542-8680.
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$450
- Stated credits
- +$400
- Perks (est.)
- +$675
- Net after credits & perks
- $625
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $450 per year.