Discontinued Ritz-Carlton Credit Card Review: Can You Still Get It?

Discontinued Ritz-Carlton Credit Card Review: Can You Still Get It?

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Though the swanky Ritz-Carlton Rewards Credit Card has been discontinued, it's still possible to get it. And for the luxury traveler, it might be worth jumping through a few hoops.

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Quick facts

  • Earning rate: 6X points per $1 spent at over 7,000 hotels participating in Marriott BonvoyTM; 3X points for every $1 on dining, car rentals and airline purchases; and 2X points per $1 spent on all other purchases
  • Free Night Award: Valid for a one night hotel stay at a property with a redemption level up to 50,000 points (certain hotels have resort fees).
  • Travel credits: $100 hotel credit for dining, spa or other hotel recreational activities, $300 annual travel credit, up to $100 Global Entry application fee statement credit
  • Room upgrades: Three annual stay upgrades with Ritz-Carlton Club Level Upgrades
  • Elite status: Automatic Gold Elite Status and 15 Elite Night Credits per calendar year
  • Lounge access: Priority Pass™ Select airport lounge access
  • No foreign transaction fees

Pros

  • High earning rate on Marriott Bonvoy purchases
  • Solid earning rate in other spending categories
  • Valuable travel credits
  • Multiple ways to redeem points
  • Automatic Gold Elite Status
  • Variety of travel, purchase, and emergency protections
  • No foreign transaction fees
  • Priority Pass™ Select airport lounge access

Cons

  • Card has been discontinued so it's difficult to get
  • No sign-up bonus
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Is the Ritz-Carlton Rewards Credit Card worth it?

The Ritz-Carlton Rewards Credit Card could be worth getting if you appreciate phenomenal travel perks, credits, Marriott Bonvoy elite status, travel protections and more, and are willing to jump through some hoops in order to get it.

To get this discontinued card, you'd need to upgrade or request a product change from your preexisting Chase Marriott card after at least one full year of card membership, among a couple of other additional stipulations.

If you're not willing to play the long game in order to get this specific luxury card, there are a number of premium cards out there (including The Platinum Card® from American Express and the Marriott Bonvoy Brilliant™ American Express® Card that will provide similar value and are easier to get.

Who is the Ritz-Carlton Rewards Credit Card best for?

The Ritz-Carlton Rewards Credit Card is best for travelers who frequently stay at Ritz-Carlton hotels or their partners and are looking to add a bit of extra luxury to their stays. For those who can make use of perks like late checkout, complimentary room upgrades, free nights, hotel credits and more, you're likely to benefit from this card.

Frequent travelers who value the peace of mind that comes with extensive travel protections and insurance will also love this card, and may find that its luxury perks and amenities are worth the high annual fee.

How to get the Ritz-Carlton Rewards Credit Card

  1. Open either of the Chase Marriott credit cards, the Marriott Bonvoy Boundless® Credit Card or the Ink Bold® Business Card. On their own, both of these cards come with a host of luxury perks and travel benefits, as well as substantial sign-up bonuses — particularly the Marriott Bonvoy Boundless® Credit Card. This first step is essential as you'll eventually use your card to upgrade or request a product change to the Ritz-Carlton Rewards Credit Card.
  2. Ensure you have a credit line of at least $10,000 with Chase in order to be eligible for the Ritz-Carlton Rewards Credit Card. If you don't, you can either ask to transfer some of your credit from another Chase card over to the card you're upgrading, or simply ask Chase for a higher credit line. Note, however, that securing a higher credit line will result in a hard credit check, which can affect your credit score.
  3. After 12 full months of card membership, request an upgrade or product change to the Ritz-Carlton Rewards Credit Card. You have the option to call the number on the back of your card or message an agent directly through the Chase website.
  4. Receive and enjoy your new Ritz-Carlton Rewards Credit Card.
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Earning rate

The Ritz-Carlton Rewards Credit Card allows its members to earn 6X points per $1 spent at over 7,000 hotels participating in Marriott BonvoyTM; 3X points for every $1 on dining, car rentals and airline purchases; and 2X points per $1 spent on all other purchases.

You'll also receive up to an additional 10X base points for being a Marriott Bonvoy member. With the automatic Gold Elite status that comes with this card, you'll also get another 2.5X points, which is a 25% bonus. So in total, you could earn up to 18.5X points for every $1 spent at hotels participating in Marriott Bonvoy.

You can earn even more points when you achieve higher Marriott Bonvoy Elite Status through the card as well. These bonus points boost your earning potential with the Ritz-Carlton Rewards Credit Card tremendously.

Redeeming Ritz-Carlton points

You have a number of flexible options when it comes to redeeming your Ritz-Carlton points. You can find out even more about the available redemption options by reading our comprehensive guide to the Marriott rewards program .

Convert your Marriott Bonvoy points into airline miles: When you transfer your points to a frequent-flyer program, Marriott Bonvoy will add a bonus 5,000 miles for every 60,000 points transferred.

  • Use points towards travel packages, rental car discounts and cruise ship offers: You can redeem your points for hotel and air packages, cruise ship packages through the Cruise with Points program, and car rentals for as little as 10,000 points.
  • Shop online using points, use points to buy vouchers from global retailers, or redeem points for gift cards: With a number of available international brands to choose from, you can redeem points for anything from tech to fashion and more.
  • Use cash + points: You can book your hotel stay online combining cash and points nights on a single reservation.
  • Attend exclusive events with Marriott Bonvoy Moments using points: Events range from sporting events to concerts to exclusive restaurant tours and reservations and more.

Priority Pass™ Select airport lounge access

Ritz-Carlton Rewards Credit Card members get complimentary airport lounge access to over 1,300 lounges throughout the world with Priority Pass™ Select. Cardmembers can access any of the participating lounges regardless of airline or ticket class. Lounges provide exclusive perks including complimentary refreshments and free Wi-Fi. Select airport lounges may also offer extra benefits, like spa treatments, sleeping areas and massage rooms.

Ritz-Carlton Rewards Credit Card credits

$300 annual travel credit

Every year, Ritz-Carlton Rewards Credit Card holders receive $300 in travel credit. This can be used toward:

  • Baggage fees
  • Seat upgrades
  • Preferred lounge memberships or passes (both day passes and annual membership).
In order to apply this benefit as a statement credit, cardmembers must call 1-855-896-2222 within four billing cycles of charging their purchases to their Ritz-Carlton Rewards Credit Card.

$100 hotel credit

Ritz-Carlton Rewards Credit Card holders will receive a complimentary $100 hotel credit to be used toward qualifying dining, spa and recreational hotel activities. Cardmembers can apply this credit at the Ritz-Carlton or St. Regis hotels during any paid stay of two nights or more.

Other benefits

Every year you remain a Ritz-Carlton Rewards Credit Card holder, you will receive three complimentary Club Level upgrades e-certificates. You can use your Club Level room upgrade on paid stays of up to seven nights by calling The Ritz-Carlton Reservations at 1-800-542-8680. These three annual complimentary upgrades are a convenient way to enhance the comfort of your stay.

Among the Ritz-Carlton Rewards Credit Card's finer features is automatic Marriott Bonvoy Gold Elite Status. In addition, you will receive 15 Elite Night Credits annually.

With Gold Elite Status, cardmembers can enjoy the following benefits:

  • 25% bonus points on stays
  • Priority late checkout
  • Room upgrades based on availability at check-in
  • Complimentary in-room Wi-Fi access at participating hotels
  • Savings at hotel shops on Ritz-Carlton merchandise

Cardmembers also have the opportunity to achieve Platinum Elite Status, which is the next highest Marriott Bonvoy elite status level, when you spend $75,000 on your card each account year.

Platinum Elite Status offers cardmembers the following perks:

  • 50% bonus points on stays
  • Room upgrades based on availability, including select suites
  • Hotel lounge access
  • 4 p.m. late checkout
  • Annual gift choice, including gifting Silver Elite Status, 40% off a new mattress, five Elite Night Credits or $100 charity donation

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

Aside from its luxury travel benefits, the Ritz-Carlton Rewards Credit Card includes a robust set of travel and purchase protections that make it a good option for purchasing a vacation:

  • Lost luggage reimbursement — Your carry-on or checked luggage that is lost or damaged by the carrier will be covered up to $3,000 per passenger. This applies to you and an immediate family member.
  • Auto rental collision damage waiver — When you charge the entire cost of your rental car to your Ritz-Carlton Rewards Credit Card and decline the rental company's collision insurance, you'll get primary coverage and reimbursement up to $75,000 for theft and collision damage for U.S. and international rental cars.
  • Trip cancellation/Trip interruption insurance — If your trip is cancelled or interrupted for covered reasons, including inclement weather and illness, you can receive up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses, which include travel fares, hotels and tours.
  • Trip delay reimbursement — If your trip is delayed more than six hours or requires an overnight stay, you and your family can be reimbursed up to $500 per ticket for things like meals and lodging.
  • Travel and emergency assistance services — You can call your card's benefit administrator for legal, medical, travel and emergency assistance when you need it. Note that you will be required to pay for any resulting goods and services.
  • Extended warranty protection — Cardmembers will receive an additional year of warranty on eligible U.S. manufacturer warranties of three years or less.
  • Return protection — Cardholders can be reimbursed for eligible non-returnable items within 90 days of purchase. You can receive up to $500 per item and up to $1,000 per year.
  • Purchase protection — Your purchases can be covered against damage or theft for up to 120 days. You can be covered for up to $10,000 per claim and $50,000 per year.
With this card you will receive a complimentary Free Night Award to be used for a one night hotel stay at a Marriott Bonvoy property with a redemption level up to 50,000 points. Note that certain hotels have resort fees which are not covered by your Free Night Award certificate.
When you use your Ritz-Carlton Rewards Credit Card to pay your Global Entry application fee, you will receive a $100 reimbursement as a statement credit. Once approved for Global Entry, you will also be eligible for complimentary TSA PreCheck.
Your Ritz-Carlton Rewards Credit Card will allow you to enroll in leading car rental loyalty programs, namely National, Avis and Silvercar, which provide special offers and savings. These can include discounts, rental car upgrades, savings on luxury rental car rates and more.
The Ritz-Carlton Rewards Credit Card does not charge foreign transaction fees. This perk allows international travelers to use their card abroad without racking up additional fees on every purchase.
Ritz-Carlton Rewards Credit Card members will have access to the exclusive J.P. Morgan Premier Concierge for 24/7 assistance planning anything from dining to travel to entertainment.

Drawbacks

  • Card has been discontinued so it's difficult to get —The obvious drawback of the Ritz-Carlton Rewards Credit Card is that it is no longer being offered by typical means. If you wish to obtain this discontinued card, you'll need to go through a lengthy process which includes applying for a different Chase Marriott card, waiting a full year, and eventually calling the issuer for a product change/card upgrade. If you'd rather avoid the hassle, The Platinum Card® from American Express or the Chase Sapphire Preferred® Card as good alternatives.
  • No sign-up bonus — Though the Ritz-Carlton Rewards Credit Card comes with its own suite of luxury travel perks and protections, it is lacking a sign-up bonus. However, in order to get the Ritz-Carlton Rewards Credit Card, you'll first need to have another Chase Marriott credit card for a full year. We recommend the Marriott Bonvoy Boundless® Credit Card, which offers its own hefty welcome bonus, so you'll be able to get the best of both worlds.

How Does the Ritz-Carlton Rewards Credit Card compare to other credit cards?

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

Verdict: Comparable luxury perks with more flexibility

To offset its enormous annual fee of $695, The Platinum Card® from American Express offers a generous welcome bonus, a host of premium travel perks, credits and coverages to rival the Ritz-Carlton Rewards Credit Card. While both cards are focused around luxury travel, The Platinum Card® from American Express is a bit more versatile as its benefits aren't limited to a single brand.

Another benefit of The Platinum Card® from American Express is its Global Lounge Collection access. While a similar offer to the Ritz-Carlton Rewards Credit Card's Priority Pass™ Select, Amex Centurion Lounges are considered to be some of the most luxurious airport lounges available.

For rates and fees of The Platinum Card® from American Express, please click here.

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

Verdict: More versatile rewards, with the ability to maximize earnings

  • On Chase's Secure Website

Consumers who aren't brand loyal to either Marriott or Ritz-Carlton may be better off choosing a general travel rewards credit card like the Chase Sapphire Preferred® Card. This credit card earns users Chase Ultimate Rewards® points, which offer a number of versatile and valuable redemption options.

At the expense of luxury, the Chase Sapphire Preferred® Card gives its users the ability to maximize their rewards by transferring them to one of 11 partner programs (including Marriott). The Chase Sapphire Preferred® Card will be most beneficial for those who spend heavily on travel and dining, as it awards 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases.

Should you get the Ritz-Carlton Rewards Credit Card?

You should get the Ritz-Carlton Rewards Credit Card if you're someone who frequently stays with Marriott Bonvoy and Ritz-Carlton properties and are likely to take advantage of the majority of its luxury travel perks and benefits.

If you're thinking about getting this card, make sure you're willing to put in the significant amount of effort it takes to get it. If you'd rather not wait an entire year to start reaping the benefits of your Ritz-Carlton Rewards Credit Card, consider applying for another premium travel card instead.

Ritz-Carlton Rewards Credit Card FAQs

Can you still get the Ritz-Carlton Rewards Credit Card?

You can’t directly apply for theRitz-Carlton Rewards Credit Card. Chase closed applications to the card in 2018. However, many people report that they have successfully requested a product change from a Marriott co-branded card (such as the Marriott Bonvoy Boundless) to the Ritz-Carlton Rewards Credit Card.

Are Ritz-Carlton and Marriott Rewards the same?

The Ritz-Carlton brand is owned by Marriott International. Marriott purchased the Ritz-Carlton Hotel Company in 1998; however, Ritz-Carlton maintained a separate rewards program — Ritz-Carlton Rewards — until 2018. Ritz-Carlton is now a part of the Marriott Bonvoy rewards program.

Does Ritz-Carlton recognize Marriott Platinum?

Some of the benefits of Marriott Platinum status — for example, the Ultimate Reservation guarantee and a welcome gift — apply at Ritz-Carlton hotels. On the other hand, Marriott Platinum members do not qualify for guaranteed room type or lounge access with Ritz-Carlton.

For rates and fees of The Platinum Card® from American Express, please click here.

The information related to Ritz-Carlton Rewards Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

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.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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 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).