Ritz-Carlton Credit Card
The legacy luxury card you can only reach by product change.
★ 8.5/10ChasepersonalMarriott Bonvoy Points5/24 applies
Invite OnlyBest for: Marriott loyalists willing to play the upgrade game
Welcome Bonus
Invite
Upgrade only, via Boundless product change
Spend Requirement
None
Annual Fee
$450
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 6xMarriott Bonvoy hotels
- 3xDining, airfare, car rentals
- 2xAll other purchases
Credits ($300/yr stated)
- Travel credit$300
Airline incidentals
Benefits
- ✦Annual Free Night Award worth up to 85,000 points
- ✦Club Level upgrades on paid stays
- ✦Priority Pass Select with unlimited guests
- ✦Free authorized users with lounge access
- ✦$100 hotel credit on paid Ritz-Carlton and St. Regis stays of 2+ nights
Why it earns its spot
- +$300 credit plus an 85k free night against a $450 fee
- +Best Priority Pass terms of any Marriott card
- +Free authorized users
Where it costs you
- −Cannot apply directly
- −Requires a year on the Boundless first
The Compound Verdict
Arguably the best-value Marriott card, hidden behind a product change. Hold a Boundless for a year, call Chase, and convert. The math beats the Brilliant for most people.
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