Chase
The Ritz-Carlton Card
Annual Fee
$450
Travel Credit
$300
Card data last reviewed 2026-05-22
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 6x on hotels (catalog median is 2x)
- 3x on flights (catalog median is 2x)
- 3x on dining (catalog median is 2x)
- Credits worth about $751/yr at typical usage offset 100% of the fee
- Non-bonus spending earns only 1x
Is the $450 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$551/yr
$250 rewards + $751 credits - $450 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$653/yr
$352 rewards + $751 credits - $450 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$895/yr
$594 rewards + $751 credits - $450 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
3x
Hotels
6x
Other Travel
2x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 0.8 cents per point
The Fine Print That Changes the Math
LEGACY CARD — not available to new applicants. 6X at Marriott. 3X on airline purchases and dining. 2X on other travel. 1X elsewhere. $300 annual airline incidental credit. Annual 85k-point Free Night Award. Priority Pass Select. Marriott Platinum Elite status. Maintain this record for existing-cardholder keep/cancel analysis only.
- No foreign transaction fees
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Airline Incidental Travel Credit$300
We count this at 75% of face value (typical usage)
Annual 85,000-point Marriott Free Night Award$680
We count this at 70% of face value (typical usage)
Priority Pass Select$100
We count this at 50% of face value (typical usage)
The Ritz-Carlton Card FAQ
What is the The Ritz-Carlton Card annual fee?
The The Ritz-Carlton Card has a $450 annual fee. Statement credits worth about $751/yr at typical usage reduce the effective cost.
What are the best spending categories for the The Ritz-Carlton Card?
6x on hotels, 3x on flights, 3x on dining. Everything else earns 1x.
Is the The Ritz-Carlton Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $551/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Does the The Ritz-Carlton Card include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
Compare With Similar Cards
Is The Ritz-Carlton Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Sources & Verification
Card data last reviewed 2026-05-22.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.