Ritz-Carlton Credit Card
By Alex Compton · Last verified
A legacy luxury card closed to direct applications, with unusually durable Marriott perks.
Welcome Bonus
Invite
Closed to direct applications; official Chase pages serve existing cardmembers
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 0 | No recorded spend | Terms reconfirmedNo direct-application welcome offer; cardmember benefits reconfirmed | Chase Ritz-Carlton cardmember benefits page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedUpgrade only, via Boundless product change | Archive record · no attached snapshot |
| 2021-01 | 0 | No recorded spend | Earliest recordClosed to new applicants | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Direct applications remain closed; current cardmember benefits and two-guest lounge rule reconciled
Fields: currentOffer, offerHistory, benefits, tagline, ourTake, bestFor, applyUrl, lastVerified
Chase Ritz-Carlton cardmember benefits page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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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
- ✦Three Ritz-Carlton Club Level upgrade certificates each year
- ✦Priority Pass Select and Chase Sapphire Lounge access with up to two guests
- ✦15 Marriott Bonvoy Elite Night Credits each calendar year and automatic Gold Elite status
- ✦Up to $120 for Global Entry every four years
- ✦$100 hotel credit on paid Ritz-Carlton and St. Regis stays of 2+ nights
Lounge Access
This card opens 1 lounge network. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +$300 credit plus an 85k free night against a $450 fee
- +Strong lounge access for a legacy 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 for an existing cardmember. Direct applications are closed, and Chase's public page does not promise product-change eligibility, so ask Chase what options are available on your specific Marriott account before planning around it.
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