The Ritz-Carlton™
The The Ritz-Carlton™ from Chase earns up to 2.1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $450. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.1%
- Annual fee
- $450
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the The Ritz-Carlton™ earn in each category?
Dining is the strongest category at 2.1% effective value (3x points at about 0.7 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2.1% effective value (3x points at about 0.7 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 2.1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1.4% |
| Gas Gas stations and fuel | 2x points | 1.4% |
| Travel Flights, hotels, transit | 3x points | 2.1% |
| Other General everyday spend | 2x points | 1.4% |
Madeen values Marriott Bonvoy at about 0.7 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the The Ritz-Carlton™ reward caps and conditions?
The The Ritz-Carlton™ has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3X points for every $1 spent on airline purchases
- 3X points for every $1 spent on dining
Who should get the The Ritz-Carlton™?
The The Ritz-Carlton™ fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
The Ritz-Carlton™ fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 63% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.1% effective (3x points).
- No foreign transaction fee listed.
Cons
- $450 annual fee requires enough spend in bonus categories to offset.
- Marriott Bonvoy value depends on how you redeem, not straight cash back.
Does the The Ritz-Carlton™ have an annual fee, and what's the welcome bonus?
The The Ritz-Carlton™ has an annual fee of $450 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $450
- Foreign transaction fee
- None
What benefits come with the The Ritz-Carlton™?
The The Ritz-Carlton™ includes $100 Hotel Credit, $300 Annual Travel Credit, Access Airport Lounges Worldwide in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- $100 Hotel Credit
Enjoy a complimentary $100 credit for qualifying dining, spa or other hotel recreational activities.
- $300 Annual Travel Credit
Use it for qualifying airline purchases such as baggage fees, seat upgrades and preferred lounge memberships or passes.
- Access Airport Lounges Worldwide
You're welcome at over 1,300 airport lounges worldwide through your membership in Priority Pass™ Select. Access is unlimited regardless of airline or ticket class. Enjoy a place to relax with complimentary refreshments.
- Auto Rental Collision Damage WaiverIncluded with Visa Infinite®
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
- Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your Card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
- Automatic Gold Elite status
Enjoy automatic Marriott Bonvoy Gold Elite status each calendar year.3 You earn 25% Elite Bonus Points on stays, enjoy 2 p.m. Late Checkout (based on availability), Enhanced Room Upgrade (based on availability), and more.
- Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Booking.comIncluded with Visa Infinite®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Common questions about the The Ritz-Carlton™
Does the The Ritz-Carlton™ have an annual fee?
The The Ritz-Carlton™ carries an annual fee of $450 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the The Ritz-Carlton™?
Dining is the strongest Madeen category for the The Ritz-Carlton™ at about 2.1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the The Ritz-Carlton™ charge foreign transaction fees?
The The Ritz-Carlton™ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the The Ritz-Carlton™ annual fee worth it?
Whether the $450 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the The Ritz-Carlton™?
Madeen's catalog lists a typical credit range of Excellent for the The Ritz-Carlton™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the The Ritz-Carlton™?
Rewards on the The Ritz-Carlton™ post as Marriott Bonvoy. Redemption value depends on how you use Marriott Bonvoy (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the The Ritz-Carlton™ compare to similar cards?
Compare the The Ritz-Carlton™ against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
The Ritz-Carlton™ This card | Dining | 2.1% | $450 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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