Chase Ritz Carlton Rewards Visa Infinite

Chase Ritz Carlton Rewards Visa Infinite
This card is no longer available for new applications


$450 Annual Fee

Click here to view details about a similar card: Marriott Rewards Premier Plus

Recent better offer: 3 Free Tier 1-4 nights after $5K spend in first three months + 10K points for adding an authorized user.

FM Mini Review: While the card is pricey, it offers a very nice collection of perks. Great choice for those seeking Marriott elite status.


Card Type: Visa Infinite

Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Ritz & Marriott.

Big spend bonus: $10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite status

Noteworthy perks: ⚬ 3 club level upgrades. Gold status, first year ⚬ $100 hotel credit for each 2 night or longer stay ⚬ Airport lounge access ⚬ $300 annual credit for airline incidentals ⚬ 10% annual points premium ⚬ $100 discount on multi-passenger ticket purchases.

Note: This card is believed to not be subject to Chase's 5/24 rule

Overview

This is a premium card with a premium annual fee and premium features:

  • $450 annual fee not waived the first year
  • $300 in annual airline fee reimbursements. Unlike the Sapphire Reserve, this is only meant for airline fees and it is not automatic: you have to request each reimbursement.
  • Earns 2X airline, car rental, & restaurants. 5X Ritz & Marriott; 1X elsewhere.
  • 10% annual points bonus.
  • Ritz points are identical to Marriott points. In fact, you can sign up for this card with your Marriott Rewards number and you’ll earn Marriott points.
  • Elite Status: Automatic Gold status first year. $10K spend per account year to keep Gold elite status; $75K spend per account year for Platinum elite status.
  • 3 club level upgrades for rooms booked with standard rate.
  • $100 hotel credit for each 2 night or longer stay.
  • Priority Pass Select airport lounge access.
  • Free authorized users (who also get Priority Pass)
  • Global Entry fee reimbursement
  • Visa Infinite $100 companion discount for round trip domestic flights

Overall, this card has a lot going for it, so it definitely makes sense for some. Personally, I already get many of its premium features from other cards, so it is not as appealing to me as it may be to others.

Application Tips

Chase Application Tips


  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you have opened many cards in the past 12 months (10+ cards) and/or if your total credit available across banks far exceeds your annual income.

  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.

  • 24 Month Rule: You can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open (24 month wait is not required for Ink business cards)

  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card

Related Cards (Marriott Rewards)

Starwood Preferred Guest® Business Credit Card from American Express
100K points
100K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/18)

No Annual Fee First Year, Then $95

Starwood Preferred Guest Luxury Card from American Express
125K after $5K Spend?
This card is expected to be available August 23rd 2018. We expect the welcome bonus to be 125K points after $5K spend, but we don't yet know that for certain.

$450 Annual Fee

Recent better offer: None. This is a new card.

Starwood Preferred Guest® Credit Card from American Express
75K points
75K after $3K spend in 3 months. Terms apply.

No Annual Fee First Year, Then $95

Chase Marriott Rewards® Premier Business
75K points
75K after $3K spend in 3 months

No Annual Fee First Year, Then $99

Recent better offer: 100K after $5K spend. (Last reported 7/2016)

Chase Marriott Rewards® Premier Plus
75K points
75K after $3K spend in 3 months

$95 Annual Fee

Recent better offer: 100K after $5K spend in 3 months

Chase Ritz Carlton Rewards Visa Infinite

Click here to view details about a similar card: Marriott Rewards Premier Plus

Recent better offer: 3 Free Tier 1-4 nights after $5K spend in first three months + 10K points for adding an authorized user.

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Nathan
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Nathan

Your article on business cards such as Chase Ritz Carlton Rewards Visa Infinite “NOT” counting toward the unofficial 5/24 Chase rule is written in an unclear manner. Why? Because it doesn’t distinguish between whether those business cards you listed don’t count toward getting to your 5/24 total or whether if you are already at the 5/24 total whether you will still qualify to receive one of these business cards. If a person qualifies under both of the previous scenarios it should be so stated. Regardless of your answer, the article was poorly written.

Nick Reyes
Editor

Sorry for the slow response here. The Ritz Carlton Rewards Visa is not a business card — this is a personal card. All personal cards add to your 5/24 count. Most business cards do not add to your 5/24 count.

Approvals for some personal cards are not governed by the rule. For example, you can be approved for the Ritz-Carlton card even if you are over 5/24. We say that the Ritz-Calrton card is not subject to the 5/24 rule, meaning that approvals are not determined based on that rule. The card will still add +1 to your 5/24 count, but getting approved for it is possible even if over 5/24 (it’ll just continue to put off your ability to get approved for those cards which are subject to 5/24).

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LeoM
Guest
LeoM

Hi Nick,

Just a small correction that got me searching to confirm:

5 Rewards points (“5X points”): You’ll earn 5 Rewards points for each $1 spent on qualifying purchases made at participating The Ritz-Carlton® locations, participating Marriott® locations, and all Starwood-branded hotels, which participate in Starwood Preferred Guest®,

The above says only Ritz/Marriott. Spg properties seems qualify too to earn 5x.

Thanks as always for all the great posts! I’ve learned so much!

Nick Reyes
Editor

You’re absolutely right. I didn’t update this card’s benefits when it began earning at SPG hotels as well.

That said, you’re better off using an SPG card to pay for stays at any of the hotels in the portfolio between now and August 1st as the SPG card earns 2x (at Marriott/Ritz/SPG), which means 6x Marriott points. After August 1st, the SPG cards will earn 6x at Marriott/Ritz/SPG and the Ritz and Marriott cards will earn 6x starting August 26th.

I will update this card’s benefits shortly — thanks for commenting to bring it to my attention.

LeoM
Guest
LeoM

Absolutely! I have to get my min spend on the Ritz going and that’s what got me checking. I won’t be able to complete it before Aug 1st but may be able to before Aug 18th (today’s new date) so putting all spend on it for now.

Btw: It’s incredible how you managed to hold the fort during Greg’s vacation time. So much news and deals (Prime Day too!) And you were on top of everything! You’re the best!

trackback

[…] What about the Ritz-Carlton Card?  The Ritz card is another $450 premium card, but it is no longer available to new applicants.  More details about the Ritz card can be found here. […]