The Ritz-Carlton™ Credit Card

Card Value & Marriott Bonvoy Points Calculator

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, and Priority Pass Select Membership.

Rewards Details

Based on our valuations, Ritz-Carlton Card Points are worth 0.7 cents each on average.
Marriott Bonvoy points can be redeemed for free nights, flights, car rentals, and gift cards. Points can also be transferred to Marriott airline partners.

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: 10-31-2024

Card Details

Ritz-Carlton Card earning rate

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.

Ritz-Carlton Card points value

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Ritz-Carlton Card 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.

Ritz-Carlton Card points transfer

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Ritz-Carlton Card 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.

Ritz-Carlton Card points calculator

Calculate how many Marriott Points you can earn with the Ritz-Carlton Credit Card based on the monthly or yearly spending amounts you enter. Compare the results alongside up to two credit cards from any issuer.

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

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

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

Credit Card Codes

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Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
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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.)

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Add All Categories

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

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