Earn 6X at Marriott Bonvoy hotels and enjoy unlimited Priority Pass access

The Ritz-Carlton™ Credit Card: Calculator & Premium Rewards Guide

Fees

Earning Rates

Earn 6X Bonvoy points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy.
Earn 3X Bonvoy points per $1 spent on dining, car rentals and airline purchases.
Earn 2X Bonvoy points per $1 spent on all other purchases.

Main Benefits

Up to $300 in travel credit
Free night award worth up to 85K points
15 elite nights each year
Complimentary Marriott Gold Elite
3 Club Level Upgrades each year
Unlimited $100 property credit
Complimentary Priority Pass Select Membership

Our Take

Overall, it's a fantastic option if you frequently stay at the Ritz-Carlton brand and is still very well worth going for due to the value it offers.

The Ritz-Carlton™ Credit Card was closed to new applicants July 2018, but can still be obtained (though results may very) by requesting a product changing from the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Bountiful™ Credit Card, or older Chase Marriott credit card after having it for one year.

Last Updated: 04-07-2025

Ritz-Carlton Card Points Calculator

Use this calculator to estimate how many Marriott Bonvoy points you'll earn with the Ritz-Carlton Card. Factor in 6X hotel rewards, airline fee credits, and Gold Elite status to determine how it compares with other luxury hotel cards.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

The Ritz-Carlton™ Credit Card Details

Earning Rates

The Ritz-Carlton Card earns Marriott Bonvoy points at the following rates:

6 points per $1 spent at participating Marriott Bonvoy hotels.
3 points per $1 spent on dining, car rentals, and airline purchases.
2 points per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Ritz-Carlton Card:

Gold Elite Status: Receive automatic Gold Elite status every year.
Annual Elite Nights: Receive 15 Elite Night Credits each calendar year.
Annual Free Night Award: Receive a free night award worth up to 85,000 points. This can be topped off with an additional 15,000 points from your account.
$300 Travel Credit: Every year, receive a $300 travel credit that can be used for baggage fees, lounge passes, seat assignments, and more.
Annual Elite Nights: Earn 15 elite night credits every calendar year.
Gold Elite Status: Receive automatic Gold Elite Status every year with the ability to earn Platinum Elite Status after spending $75K during the calendar year.
Ritz-Carlton Club Upgrades: Receive 3 upgrades to the Ritz-Carlton Club each year that are valid on eligible paid stays.
Global Entry or TSA PreCheck: Receive up to a $120 statement credit when you use your card to pay for a Global Entry or TSA PreCheck application fee every four years.
Airport Lounge Access: Enjoy airport lounge access through Priority Pass as well as access to Chase Sapphire Lounges for yourself, additional cardholders, and guests.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trap Interruption Insurance, Trip Delay Reimbursement, Lost Luggage Reimbursement, Auto Rental Collision Damage Waiver, Return Protection, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Ritz-Carlton Card has an annual fee of $450.

Considering everything that this card offers, this is a superb deal. Even if you don't stay at Ritz-Carlton hotels often, this card can easily compete with the more expensive Marriott Bonvoy Brilliant® American Express® Card.

Authorized User Fee

There is no cost to add authorized users to the Ritz-Carlton Card which is a steal since cardholders also receive Priority Pass Lounge and Chase Sapphire lounge access. If you have family or friends that travel often, adding them can be beneficial if they're sometimes travel without the primary cardholder.

Foreign Transaction Fee

The Ritz-Carlton Card has a 0% foreign transaction fee. That makes it great card for earning Marriott Bonvoy points on purchases made outside of the United States.