The Ritz-Carlton™
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How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 2.1%
- Annual fee
- $450
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points.
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 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how The Ritz-Carlton™ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x.
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 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how The Ritz-Carlton™ compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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.
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 80% 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.
Pros
- Strongest Madeen category is dining at about 2.1% effective (3x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- 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?
The The Ritz-Carlton™ has an annual fee of $450 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- 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.
$300 Annual Travel Credit
$300/yrUse it for qualifying airline purchases such as baggage fees, seat upgrades and preferred lounge memberships or passes.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
$100 Hotel Credit
$100/yrEnjoy a complimentary $100 credit for qualifying dining, spa or other hotel recreational activities.
Access Airport Lounges Worldwide
$99/yrYou'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.
Roadside Assistance
$50/yrIf you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith or gas. You're covered up to $50 per incident 4 times a year.
Trip Cancellation / Interruption
$35/yrWhen you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Auto Rental Coverage
$25/yrDecline 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.
Car Rental Privileges
$25/yrUse your Ritz-Carlton Credit Card to unlock special car rental benefits.
Elite Night Credits
$25/yrReceive 15 Elite Night Credits every calendar year toward the next level of Marriott Bonvoy Elite status.
Emergency Medical and Dental
$25/yrIf you or an immediate family member become sick or injured while you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses, subject to a $50 deductible.
Free Night Award
$25/yrEnjoy a Free Night Award every year after your account anniversary, valid for a one-night stay in a standard guest room with a redemption level up to 85,000 points at hotels participating in Marriott Bonvoy (based on availability).4 Plus, now you can combine your Free Night Award with up to 15,000 points to access more hotels you’ll love (certain hotels have resort fees).
Global Entry Application Fee Statement Credit
$25/yrApply for global entry, a U.S. customs and border protection program, using your Ritz-Carlton Credit Card to pay your application fee (currently $120) and receive a $120 statement credit.
Related encyclopedia topics
Common questions about the The Ritz-Carlton™
Where do cardholders spend most with the The Ritz-Carlton™?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the The Ritz-Carlton™. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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.
How does the The Ritz-Carlton™ compare to similar cards?
Compare the The Ritz-Carlton™ against Aeroplan Card (4.5% on Dining, $95 fee); Chase Sapphire Preferred Credit Card (3% on Dining, $95 fee); AARP (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 |
| Dining | 4.5% | $95 | |
| Dining | 3% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 |
Side-by-side comparisons
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure