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Ritz-Carlton Rewards® Credit Card: Is $395 Per Year Worth It?

Ritz-Carlton Rewards Credit Card

Ritz-Carlton Rewards® Credit Card: Is $395 Per Year Worth It?

A credit card designed around adding luxury to travelers who stay at Ritz-Carlton hotels.
Editor's Rating: 4.0/5.0

Editor's Rating

4.0/5.0

Few credit cards are as, or more expensive than the Ritz-Carlton Rewards® Credit Card. In order to justify paying its annual fee, and have the card be actually net positive, you should consider whether the luxury benefits it offers appeals to you. If not, cards like the Chase Sapphire Preferred® Card or Marriott Rewards® Premier Credit Card might be better choices – they can still earn points towards Ritz-Carlton stays, though at a significantly lower cost to cardholders.

Good For…Bad For…
  • Consumers who enjoy luxury benefits & treatment
  • Those who can make use of the $300 travel credit and $100 hotel credit
  • Someone looking to just earn Marriott/Ritz-Carlton Rewards Points

Review: Is the Ritz-Carlton Rewards® Credit Card Worth Its $395 Annual Fee?

If you’re thinking about signing up for the Ritz-Carlton Rewards® Credit Card, ask yourself: will I use the card’s bonuses or benefits? Only through these can users hope to come out ahead of the $395 annual fee they’ll be paying with the Ritz-Carlton credit card. There are other credit cards that may be better at earning users rewards points – this should not be your end-goal with this card. Instead, the Ritz-Carlton Rewards® Credit Card shines when it comes to showering its users with added benefits, including Club level upgrades, and travel credits. You can find out more about the different available redemption options by reading our comprehensive guide to the Marriott rewards program.

The luxury perks included with the Ritz-Carlton Rewards® Credit Card rival that of The Platinum Card® from American Express, a long-time favorite. The airport lounge access, provided through complimentary Lounge Club™ membership, isn’t as expansive as that on The Platinum Card® from American Express, but may still be enough to leave consumers satisfied.

Individuals poised on obtaining Ritz-Carlton Gold/Platinum status also have a lot to take out of this card. During your first year of cardmembership, you will be granted Gold Elite Status for free. Each year after that, when you make at least $10,000 in purchases, you will be granted this status again. If you’re a high spender ($75k+ annually), this card will unlock Platinum Elite status. You can read about all the perks that come with these statuses here.

This clustered bar graph shows how the Ritz-Carlton's rewards rate compare to two similar competitors, the Chase Sapphire Preferred and the Marriott credit card

Bottom Line: If you frequently stay at Ritz-Carlton hotels, or their partners, and want to add an extra level of comfort to your stays, consider getting the Ritz-Carlton Rewards® Credit Card. Before you do, however, make sure that you can make use of its many side-benefits, to the point that they cover the card’s high annual fee.

Ritz-Carlton Rewards® Credit Card Benefits & Features

The Ritz-Carlton Rewards® Credit Card gives its users plenty of opportunities to earn rewards points, which can be turned into anything from stays at their properties, or room upgrades. When you use the card at Ritz-Carlton, or their partners (JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts®), you will earn 5 points per $1. Purchases of airline tickets, bought directly from the airline, will yield 2 points per $1. Likewise, shopping at car rental agencies and restaurants will earn users 2 points per $1. All other purchases will result in just 1 point per $1.

Ritz-Carlton Rewards Credit Card
Ritz-Carlton Rewards Credit Card
Annual Fee
$395
Purchase APR
15.99%
Credit Needed Good
Details
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year

At the end of each year, you will receive a 10% points premium, with no cap. For example, if you used the Ritz-Carlton Rewards® Credit Card to pay for a $1,000 stay at their hotel, you'll get 5,000 points (5x per $1). At the end of that cardmemeber year, you will receive a bonus 500 points (10% of 5,000).

Lounge Club™ Membership

A big benefit of owning the Ritz-Carlton Rewards® Credit Card is the complimentary membership to Lounge Club™, which provides access to over 350 lounges across 200 airports worldwide. Lounge Club™ values their membership at around $99 annually, though it is currently impossible to purchase it directly. The only way to obtain membership is to have one of the few credit cards that offer it (including the Visa Black Card, American Express Preferred Rewards Gold Card, and, of course, the Ritz-Carlton Rewards® Credit Card).

Lounge access provides cardholders with the ability to enjoy a quiet place, with complimentary Wi-Fi, snacks, beverages, conference rooms, and even showers (in certain lounges). This can be particularly useful for a business traveler, who frequently finds themselves in an airport.

Ritz-Carlton Specific Benefits

It’s difficult to justify getting the Ritz-Carlton Rewards® Credit Card if you plan to use it only for the benefits outlined above. The true value of the card, and the reason it costs $395 annually, lies in the non-spending related benefits.

Two Complimentary Nights

If you spend at least $3,000 on purchases, within the first 3 months of opening your Ritz-Carlton Rewards® Credit Card account, you will be awarded 2 complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel. We estimate the value of this benefit to be roughly $930. We arrived at this rate by sampling several benchmark booking from category 1-4 Ritz-Carlton Hotels, across a variety of locations. Based on this, we've calculated the value of a single night to be, on average, $465.

In order to qualify for this benefit, the $3,000 must be reached via purchases. This means balance transfers, cash advances, and fees do not count. Furthermore, if you qualified for this benefit within the past 2 years, you are also ineligible from receiving it again.

Upgrades To The Ritz-Carlton Club® Level

Every year you remain a Ritz-Carlton Rewards® Credit Cardholder in good-standing, you will receive 3 complimentary upgrades to Club® Level. This differs from a regular rate stay, by giving you access to an in-hotel lounge. This special lounge works similarly to airport lounges most travelers will be familiar with. Inside these lounges, Ritz-Carlton guests can enjoy complimentary beverages, concierge services, and a relaxing atmosphere.

The difference between a regular-rate hotel room, and a Club® Level one comes out to about $120 per night – a sizable difference.

Travel/Hotel Credit

Every year, Ritz-Carlton Rewards® cardholders receive $300 in travel credit. This can be used towards baggage fees, Global Entry, seat upgrades, or lounge access (both day-passes and annual membership). In order to qualify for this benefit, cardmembers must charge the purchase to their Ritz-Carlton Rewards® Credit Card, and notify J.P. Morgan Priority Services within 4 billing cycles of the transaction. Ritz-Carlton Rewards® Credit Card also receive $100 in Hotel credit, every time they stay at a Ritz-Carlton affiliated hotel, for at least 2 consecutive days. This credit can be used to cover room upgrades, and services (though not ones provided by a third party). The $100 credit can also only be used towards add-on charges, meaning you cannot use it to pay for the actual stay itself.

Gold/Platinum Elite Status

When you are first approved for the Ritz-Carlton Rewards® Credit Card, you receive complimentary Gold Elite Status for the first year. With this, you get benefits which include late checkouts, and free room upgrades. In order to maintain Gold Status past your first cardmember year, you must make at least $10,000 in purchases on your card annually.

If you spend $75,000 in an account year (average of $6,250 per month), you will receive complementary Platinum Elite Status. This gives users 50% more rewards points for their bookings, an additional 1,000 bonus points upon each booking, and the guarantee that a room will be available to you, up to 48 hours before you need it.

Note that you can also get Gold/Platinum Elite status by other means, namely accumulating Elite Qualifying Nights (EQNs) with Ritz-Carlton - you earn these every time you pay for a stay at their properties.

How Does the Ritz-Carlton Rewards® Credit Card Compare To Other Credit Cards?

When shopping for credit cards, it is a good idea to keep your eyes wide-open for your options. It’s impossible to choose a best credit card in a vacuum – comparing choices is a must if you hope to maximize your value. To that end, this section profiles the competitors of the Ritz-Carlton Rewards® Credit Card.

Ritz-Carlton Rewards® Credit Card vs The Platinum Card® from American Express

The Platinum Card® from American Express comes with an annual fee of $550 – that’s $155 more per year than the Ritz-Carlton Rewards® Credit Card. Both of these cards are focused around luxury travel, however The Platinum Card® from American Express is not tied down to any particular brand. One reason one might prefer The Platinum Card® from American Express to the Ritz-Carlton Rewards® Credit Card is the type of airport lounge access they offer. With the Amex card, you get membership to Centurion Lounges, which are considered to be some of the most luxurious and best equipped. Outside of this, The Platinum Card® from American Express comes with Priority Pass membership, which is a better version of the Lounge Club™.

Ritz-Carlton Rewards® Credit Card vs Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card
This card is not available through ValuePenguin.

If you’re the type of person who doesn’t care about high-end travel benefits, the Marriott Rewards® Premier Credit Card may be for you. This card has the same rewards point distribution as the Ritz-Carlton Rewards® Credit Card (5-2-1), but comes at a greatly reduced price-tag – the Marriott Rewards® Premier Credit Card has an $85 annual fee. Since Marriott and Ritz-Carlton are partners, the points earned through the Marriott Rewards® Premier Credit Card can be used to book stays at Ritz-Carlton properties.

Ritz-Carlton Rewards® Credit Card vs Chase Sapphire Preferred® Card

Some consumers – those who hold no brand loyalty to either Marriott or Ritz-Carlton – will be better off with a general travel rewards credit card like the Chase Sapphire Preferred®. This credit card earns users Chase Ultimate Rewards points, which are part of one of the most valuable rewards programs. Instead of luxury, the Chase Sapphire Preferred® gives its users the flexibility to use rewards on a variety of things – from travel statement credit to the ability to transfer them to one of 11 partner programs (including Marriott). The Chase Sapphire Preferred® Card is most beneficial to individuals with high dining and travel spending, as it gives 2 points per $1 in these categories. If you spend at least $4,000 annually on these things, and value flexible rewards, consider this card instead.

Comparison Tool

If you’re searching for a card that will give you the highest returns on spending, you can use our tool below to help you. This tool does not take into account secondary benefits, such as travel/hotel credit or room upgrades, since these features are harder to model (mainly because of the unpredictable redemption nature). Use this tool more as a guideline to narrow down your search, then evaluate each of your top choices more closely, before applying.

Assumptions Based On Monthly Spend of: $1,430 Edit
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U.S. Gas Stations:
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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

The World Of Hyatt Credit Card
$95 4.68%
$1,080
Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening;Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening
$1,607
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $717
Bonuses
60,000 x $0.018 = $1,080
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,607

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.49%
$675
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
$1,198
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 68,640 x $0.009 = $618
Bonuses
75,000 x $0.009 = $675
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,198

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 17.74%-26.74% Variable
*Rates and Fees

Card Details

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 Ultimate Rewards when you spend $4,000 on purchases in the first 3 months.
$1,028
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for the First Year, then $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Marriott Rewards® Premier Plus Credit Card
$95 2.68%
$560
Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
$919
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $549
Bonuses
70,000 x $0.008 = $560
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 919

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X points for every $1 spent on all other purchases.
  • Guaranteed Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster.
Club Carlson Premier Rewards Visa Signature Card
$75 2.33%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$799
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.004 = $635
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 799

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 13.99% - 22.99% Variable

Card Details

  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.18%
$500
Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening
$748
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $0
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year
Radisson Rewards Premier Visa Signature® Card
Image of Radisson Rewards Premier Visa Signature® Card $0 Intro Annual Fee for the first year then $75 2.19%
$140
Earn 35,000 bonus points after spending $2,500 in the three months after account opening
$751
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.004 = $686
Bonuses
35,000 x $0.004 = $140
Less Annual Fees -$75
Total Net Estimated Rewards Through 24 Months 751

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $75
APR 15.99% 24.99% Variable

Card Details

  • 10 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
  • 5 points per $1 spent in eligible net purchases everywhere else.
  • Up to 85,000 Bonus Points - receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 in eligible net purchases on your card within the first 90 days.
  • 40,000 renewal bonus points each year when you renew your card by paying the Annual fee.
  • Earn up to 3 free nights! Earn one free e-cert for each $10,000 in spend (up to $30,000), then renew your card by paying the Annual Fee.
  • Gold Status upgrade - your Radisson Rewards membership will reflect your Gold status after you activate and use your card.
  • Already reached Gold or Platinum Status? You will receive 15 qualifying nights toward obtaining or maintaining Platinum status after you activate and use your new card.
  • No Preset Spending Limit.
  • Visa Signature Concierge.
BankAmericard Travel Rewards® Credit Card
No Annual Fee 2.08%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.99% - 22.99% Variable

Card Details

  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned
Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.82%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
0 x $0.013 = $0
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • Hotel card for boutique hotels
  • 3 points per dollar spent at Stash Partner Hotels
  • 2 points per dollar on other hotels, dining and gas
  • 1 point per dollar everywhere else
  • Points never expire
  • 10,000 bonus points when you spend $1,500 within 90 days of opening your account
IHG® Rewards Club Premier Credit Card
$89 1.95%
$512
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
$670
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
80,000 x $0.006 = $512
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 670

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 17.99% - 24.99% Variable

Card Details

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
The Choice Privileges® Visa® Card
No Annual Fee 1.73%
$62
Earn 8,000 bonus points after your first purchase
$593
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $531
Bonuses
8,000 x $0.008 = $62
Total Net Estimated Rewards Through 24 Months 593

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships
IHG® Rewards Club Traveler Credit Card
$29 1.93%
$384
Earn 60,000 bonus points after spending $2,000 in the first 3 months from account opening.
$662
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
60,000 x $0.006 = $384
Less Annual Fees -$58
Total Net Estimated Rewards Through 24 Months 662

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $29
APR 17.49% to 24.49% Variable

Card Details

  • Receive 60,000 bonus points after spending $2,000 in purchases within 3 months of account opening
  • Cardholders that spend $10,000 on purchases in a calendar year are eligible for Gold Elite status in the IHG Rewards Club
Ritz-Carlton Rewards Credit Card
$395 1.47%
$930
Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
$504
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $0
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $395
APR 15.99%

Card Details

  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year
Club Carlson Rewards Visa Signature Card
Image of Club Carlson Rewards Visa Signature Card $50 1.47%
$222
50,000 Gold Points after your first purchase; 10,000 Gold Points after spending $1,500 within the first 3 months
$503
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.004 = $381
Bonuses
50,000 x $0.004 = $185
10,000 x $0.004 = $37
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 503

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $50
APR 13.99% - 22.99% Variable

Card Details

Best Western Rewards® Premium MasterCard®
Image of Best Western Rewards® Premium MasterCard® $0 Intro Annual Fee for the first year then $59 1.23%
$285
25,000 bonus points after you spend $2,500 in first 3 billing cycles. Also, earn another 25,000 bonus points after you spend total of $5,000 in the first 6 billing cycles
$422
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
50,000 x $0.006 = $285
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 422

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $59
APR 15.24% - 20.24% Variable

Card Details

  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Free Upgrade to Best Western Rewards Platinum Status
The Wyndham Rewards® Visa Signature® Card
No Annual Fee 1.17%
$60
12,000 bonus points with first purchase
$403
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
12,000 x $0.005 = $60
Total Net Estimated Rewards Through 24 Months 403

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
U.S. Bank Perks+ Visa Signature® Card
No Annual Fee 1.37%
$0
$470
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
Total Net Estimated Rewards Through 24 Months 470

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee
Best Western Rewards® MasterCard®
Image of Best Western Rewards® MasterCard® No Annual Fee 0.90%
$114
10,000 bonus points after you spend $1,000 in first 3 billing cycles. Also, earn another 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
$310
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
Best Western Rewards® Secured MasterCard®
Image of Best Western Rewards® Secured MasterCard® $40 0.42%
$29
5,000 bonus points after your first purchase
$144
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
5,000 x $0.006 = $29
Less Annual Fees -$80
Total Net Estimated Rewards Through 24 Months 144

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $40
APR 21.24%

Card Details

  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

Credit Cards

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