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Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

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, including American Express, see our disclosure page.

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

Image of Ritz-Carlton Rewards Credit Card
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"A credit card designed around adding luxury to travelers who stay at Ritz-Carlton hotels."

Contents

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.

Image of Ritz-Carlton Rewards Credit Card
Annual Fee $395
Purchase APR 15.99%
Card Details
  • 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
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • 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 leading 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™ - it comes with 700 airport lounges vs the 350 offered by Lounge Club™.

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

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.

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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.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up 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.

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 sign-up 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.

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.

Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.69%
$600
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
$1,329
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 16.24%-20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.024 = $824
Bonuses
25,000 x $0.024 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,329
Barclaycard Arrival Plus™ World Elite MasterCard®
$89 - Waived first year 3.21%
$525
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
$1,157
Graph Card Read Review More Details
Annual Fee $89 - Waived first year
APR 16.99%, 20.99% or 23.99% Variable

Card Details

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.011 = $721
Bonuses
50,000 x $0.011 = $525
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 1,157
Chase Sapphire Preferred® Card
Introductory Annual Fee of $0 the first year, then $95 2.86%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.99% - 23.99% 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®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 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

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 Hyatt Credit Card
$75 2.49%
$350
Earn 2 free nights after spending $2,000 within the first 3 months
$897
Graph Card Read Review More Details
Annual Fee $75
APR 16.74% - 23.74% Variable

Card Details

  • Earn 2 free nights at any Hyatt hotel or resort worldwide after you make $2,000 on purchases in the first 3 months after account opening
  • Receive a free night award every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember
  • 3 Bonus Points for every $1 spend at Hyatt hotels and resorts
  • 2 Bonus Points for every $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies
  • 1 point for every $1 spent on purchases anywhere else you use your card
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $697
Bonuses
0 x $0.018 = $350
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 897
Citi® Hilton HHonors™ Reserve Card
$95 2.29%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details
Annual Fee $95
APR 15.99%

Card Details

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise
  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825
Club Carlson Premier Rewards Visa Signature Card
$75 2.22%
$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
Annual Fee $75
APR 13.99% - 22.99% Variable

Card Details

  • 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
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • 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

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
Discover it® Miles
$0 2.15%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.08%
$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
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise
  • $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

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748
BankAmericard Travel Rewards® Credit Card
$0.00 1.99%
$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
Annual Fee $0.00
APR 15.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 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 toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

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
IHG® Rewards Club Select Credit Card
$0 Intro Annual Fee for the first year then $49 2.07%
$480
Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
$746
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $49
APR 16.99% - 23.99% Variable

Card Details

  • Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $315
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$49
Total Net Estimated Rewards Through 24 Months 746
Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.74%
$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
Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625
The Choice Privileges® Visa® Card
No Annual Fee 1.65%
$62
Earn 8,000 bonus points after your first purchase
$593
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.24%, 19.99% or 24.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • 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

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
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.69%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
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Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607
Ritz-Carlton Rewards Credit Card
$395 1.40%
$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
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Annual Fee $395
APR 15.99%

Card Details

  • 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
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • 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

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504
Club Carlson Rewards Visa Signature Card
$50 1.40%
$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
Annual Fee $50
APR 13.99% - 22.99% Variable

Card Details

  • 50,000 Gold Points after your first purchase
  • 10,000 Gold Points after spending $1,500 within the first 3 months

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
Best Western Rewards® Premium MasterCard®
$0 Intro Annual Fee for the first year then $59 1.17%
$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
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Annual Fee $0 Intro Annual Fee for the first year then $59
APR 15.24% - 20.24% Variable

Card Details

  • 10 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • 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

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
50,000 x $0.006 = $285
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 422
The Wyndham Rewards® Visa Signature® Card
No Annual Fee 1.12%
$60
12,000 bonus points with first purchase
$403
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Annual Fee No Annual Fee
APR 15.24% or 19.99% Variable

Card Details

  • Earn 12,000 bonus points with first purchase
  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

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 Wyndham Rewards® Visa Signature® Card
$69 0.99%
$150
Earn 30,000 bonus points with first purchase
$355
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Annual Fee $69
APR 15.24% - 19.99% Variable

Card Details

  • Earn 30,000 bonus points with first purchase
  • 5 points for every $1 spent on participating hotels
  • 2 points for every $1 spent otherwise
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
30,000 x $0.005 = $150
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 355
U.S. Bank Perks+ Visa Signature® Card
No Annual Fee 1.31%
$0
$470
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Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
  • Earn 1 point for every net dollar spent on everything else
  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Total Net Estimated Rewards Through 24 Months 470
Best Western Rewards® MasterCard®
No Annual Fee 0.86%
$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
Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • 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

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310
Best Western Rewards® Secured MasterCard®
$40 0.40%
$29
5,000 bonus points after your first purchase
$144
Graph Card More Details
Annual Fee $40
APR 21.24%

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • 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

Estimated Rewards Through 24 Months

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

Comments and Questions

* 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.

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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.

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