Chase · Personal card
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit Card has a $450 annual fee and up to $330 a year in statement credits, across two credits. One of the two Ritz-Carlton Credit Card credits needs a one-time enrollment before any spending counts, and Chase will not apply it retroactively.
- Annual fee
- $450
- Charged on your account anniversary
- Credits a year
- Up to $330
- 2 statement credits, used in full
- Need enrollment
- 1 of 2
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Annual airline incidental creditEnroll firstCall J.P. Morgan Priority Services at the number on the card within 4 billing cycles of the purchase to have the credit applied.$300 a year. On January 1 | $300 a year | On January 1 | $300 |
| Global Entry credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $330 |
What people get wrong
- Enrollment comes first. One benefit needs a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Ritz-Carlton Credit Card
What is the annual fee on the Ritz-Carlton Credit Card?
$450 a year, charged each year on your account anniversary.
How much are the Ritz-Carlton Credit Card credits worth?
Up to $330 a year if you use all two statement credits in full. The largest: Annual airline incidental credit ($300) and Global Entry credit ($30).
Which Ritz-Carlton Credit Card benefits need enrollment?
One of the two: Annual airline incidental credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the Ritz-Carlton Credit Card credits reset?
Yearly credits reset on January 1. Unused credit does not roll over.
Is the Ritz-Carlton Credit Card worth the $450 fee?
Not on credits alone: they add up to $330, $120 less than the fee. Rewards on spending and other benefits would have to make up the rest.
What points does the Ritz-Carlton Credit Card earn?
Marriott Bonvoy points, worth about 0.74 cents each in a typical redemption.
