| Rewards | 6X points at participating Marriott Bonvoy hotels; 3X on restaurants, airline purchases and car rentals; 2X on other purchases |
|---|---|
| Signup Bonus | None |
| Annual Fee | $450 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.24% variable |
| Cash Advance Fee | $10 or 5% of the amount, whichever is greater |
| Late Payment Fee | Up to $27 |
| Purchases APR | 18.24%–25.24% variable, based on the Prime Rate |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Ritz-Carlton Credit Card is a premium Marriott Bonvoy card with a $450 annual fee. It is known for an annual 85,000-point free-night award, Marriott Gold Elite status, travel credits, lounge access and other hotel perks. The card is closed to new applications and can generally only be obtained by upgrading an eligible Chase Marriott card.
Most users say the annual free-night award and travel credits can provide substantial value. Many reviewers mentioned that frequent Marriott guests can make good use of the hotel and airport benefits, while some appreciate the premium customer-service experience.
The $450 annual fee is the biggest concern, especially for people who don’t travel frequently. Some reviewers also mention restrictions on certain benefits and frustration with using upgrade certificates.
Personally, I think this card makes the most sense for existing Marriott loyalists who can consistently use its annual benefits. For occasional travelers, the fee and limited availability make it less practical.
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World Class Perks Worth the Spend
I booked a surprise anniversary trip with this card and instantly saw the different elite upgrades, lounge access, and points that stretch for free night. Customer service treated me like royalty. Worth every dollar for the experiences.
