Chase Ritz Carlton Rewards Visa Infinite

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

No Annual Fee First Year, Then $450

FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper.

Card Type: Visa Infinite


Earning rate: ⚬ 6X Ritz, SPG & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else

Big spend bonus: $75K spend per account year for Platinum elite status

Noteworthy perks: ⚬ Annual 50K hotel certificate upon renewal ⚬ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ⚬ Priority Pass Select with unlimited guests ⚬ $300 annual credit for airline incidentals ⚬ $100 discount on multi-passenger ticket purchases. ⚬ Automatic Gold Status

See also: Marriott Bonvoy Complete Guide


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

  • $450 annual fee
  • $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.
  • Free Night Award each year upon renewal can be used to book any hotel (Ritz, Marriott, or SPG) that costs up to 50K points
  • Elite Status: Automatic Gold 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 to keep the card if you have it.


Marriott points can be redeemed for free night awards, travel packages, airline miles, or experiences. 5th Night Free Awards: When redeeming points for free nights, the 5th night within a single reservation is free. Airline miles: Points can be converted to airline miles at a rate of 3 points to 1 mile. A bonus is added on when you transfer 60,000 points at a time, such that 60,000 points transfers to 25,000 miles. Also, you'll get a 10% bonus when transferring points to United Airlines.

Everything you need to know about Marriott's rewards program, Bonvoy, can be found here: Marriott Bonvoy Complete Guide

Keep or Cancel?

Since this card is no longer available to new applicants, I recommend keeping this card. It has enough perks to make it worth the annual fee, and you won't be able to get the card again if you cancel.

Related Cards (Marriott Bonvoy)

Marriott Bonvoy Brilliant™ American Express® Card
75K Points
75K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/2019)

$450 Annual Fee

Last updated on May 30th, 2018

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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

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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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

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.


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!


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