Is the The Ritz-Carlton Credit Card worth $450/yr?

The honest math on the The Ritz-Carlton Credit Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $450 annual fee.

Chase · $450 annual fee · earns Marriott Bonvoy points

Closed to new applicants.

Earning rates

6x Marriott Bonvoy hotels
3x Dining worldwide
3x Scheduled airline flights (direct)
3x Select car rental companies
2x Everything else

Statement credits (3)

$300 Annual Travel Credit — $300 per calendar year in statement credits for airline incidentals — lounge day passes/memberships, seat upgrades, baggage fees, and in-flight wifi/entertainment/meals.
$100 Ritz-Carlton / St. Regis Property Credit — $100 credit per booking (2-night minimum) toward on-property dining, spa, and recreational activities at The Ritz-Carlton or St. Regis.
Global Entry / TSA PreCheck Credit — $120 Global Entry application-fee credit every 4 years (~$30/yr), or TSA PreCheck instead.

Certificates (1)

Free Night Award (up to 85,000 points) — One free night each account anniversary at a Marriott property with a redemption level up to 85,000 points.

Protections and perks (18)

Marriott Bonvoy Gold Elite Status — Automatic Gold Elite status every calendar year — 25% bonus points on stays, 2pm late checkout, and enhanced room upgrades when available.
Platinum Elite Status after $75,000 Spend — Spend $75,000 on the card in a calendar year and get Marriott Platinum Elite status — 50% bonus points and guaranteed 4pm late checkout.
Elite Night Credits — 15 elite night credits every calendar year toward higher Marriott Bonvoy status.
Ritz-Carlton Club Level Upgrade Certificates — Three certificates a year to upgrade a qualifying paid stay (up to 7 nights, 2 guests per room) to Ritz-Carlton Club Level.
Airport Lounge Access — Priority Pass Select plus Chase Sapphire Lounges by The Club — both admit 2 guests free per visit.
Primary Rental Car Coverage — Primary collision/damage coverage on rentals paid with the card — decline the counter CDW.
Trip Cancellation and Interruption Insurance — Up to $10,000 per person ($20,000 per trip) for prepaid, non-refundable travel cancelled or interrupted for a covered reason.
Trip Delay Reimbursement — Up to $500 per covered traveler for meals and lodging when common-carrier travel is delayed more than 6 hours or overnight.
Baggage Delay Insurance — Up to $100 a day (up to 5 days) for essentials when checked bags are delayed over 6 hours.
Lost Luggage Reimbursement — Up to $3,000 per covered traveler for checked or carry-on bags lost, damaged, or stolen.
Travel Accident Insurance — Up to $1,000,000 in accidental death or dismemberment coverage when common-carrier fare is paid with the card.
Purchase Protection — New purchases covered 120 days against damage or theft, up to $10,000 per item.
Extended Warranty — Adds a year to eligible US manufacturer warranties of 3 years or less.
Return Protection — If a merchant won't take an eligible item back within 90 days, get a refund of the purchase price, up to $500 per item.
Roadside Assistance — Towing, tire change, battery jump-start, fuel delivery, lockout, and winching — no membership or enrollment needed.
Emergency Medical and Dental — Up to $2,500 for emergency medical and dental expenses on covered trips far from home ($50 deductible).
Emergency Evacuation and Transportation — Up to $100,000 for medical evacuation on covered trips far from home.
No Foreign Transaction Fees — No surcharge on purchases abroad.

Recent changes to this card's data

2026-08-27 — The Ritz-Carlton Credit Card (new card)

Fee $450, earning 6x Marriott / 3x dining+select car rentals+direct airline / 2x everything else. Source: https://marriott.chase.com/ritz-carlton
Free Night Award, up to 85,000 points, top-off raised to 25,000 points (from 15,000) portfolio-wide in March 2026. Source: https://marriott.chase.com/ritz-carlton/benefits, https://upgradedpoints.com/credit-cards/reviews/the-ritz-carlton-credit-card/
$300 Annual Travel Credit for airline incidentals — not automatic, requires calling in eligible charges; calendar-year basis. Shares the airline-incidentals sharedKey (overlap: "stacks"). Source: https://awardwallet.com/credit-cards/marriott-bonvoy/ritz-carlton-annual-travel-credit/
Automatic Marriott Bonvoy **Gold** Elite status (not Platinum — corrects a common misconception; Platinum requires $75,000/yr card spend), plus 15 Elite Night Credits/yr. Source: https://marriott.chase.com/ritz-carlton/benefits, https://frequentmiler.com/ritz/
Three annual Ritz-Carlton Club Level Upgrade Certificates. Source: https://upgradedpoints.com/credit-cards/reviews/the-ritz-carlton-credit-card/
$100 Ritz-Carlton/St. Regis property credit per qualifying 2+ night booking, uncapped annually. Source: https://marriott.chase.com/ritz-carlton/benefits
$120 Global Entry/TSA PreCheck credit every 4 years. Source: https://upgradedpoints.com/credit-cards/reviews/the-ritz-carlton-credit-card/
Priority Pass Select + Chase Sapphire Lounges by The Club, 2 guests free per visit each ($27/extra guest, tightened from unlimited guests effective Jan 15, 2026). Source: https://awardwallet.com/credit-cards/marriott-bonvoy/ritz-carlton-card/
Primary rental CDW up to $75,000; trip cancellation/interruption up to $10,000/person, $20,000/trip, $40,000/12mo/account; trip delay $500 after 6+ hour delay/overnight; baggage delay $100/day x5; lost luggage $3,000; travel accident $1,000,000 (common carrier); purchase protection $10,000/item, $50,000/yr; extended warranty $10,000/item, $50,000/account; return protection $500/item, $1,000/12mo; roadside assistance $50 x4/yr; emergency medical/dental $2,500; emergency evacuation $100,000; no foreign transaction fees. Source: JPMorgan Visa Infinite Guide to Benefits PDF (BGC11382_v2, effective 10/01/24), cross-checked against https://upgradedpoints.com/news/ritz-carlton-card-benefits-not-changing/ and https://marriott.chase.com/ritz-carlton/benefits
Omitted as network-generic (matches sibling Visa Infinite cards in this dataset): Avis Preferred Plus / National Emerald Club Executive rental car status.

Card data verified against Chase on 2026-08-27.

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