Ritz-Carlton Rewards® Credit Card

The Ritz-Carlton Rewards® Credit Card offers a generous sign up bonus and rewards for those who travel frequently and stay at Ritz Carlton hotels.

This card is one of our picks for the Best Hotel Credit Cards.

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  • Rewards
    • Earn 5 points for every $1 spent at Ritz-Carlton Hotels and partner hotels, including JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts®.
    • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.
    • Earn 1 point for every $1 spent on all other purchases
    • 10% Annual Points Premium on Ritz-Carlton Rewards points
  • Signup Bonus Spend $3,000 in the first 3 months and you get 2 free complimentary nights at any Tier 1-4 Ritz-Carlton Hotel
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 16.24% - 23.24% *Variable
  • Cash Advance APR 25.24% *Variable
  • Penalty APR See Terms
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • $300 Annual Travel Credit: Redeem on baggage fees, Global Entry fees, seat upgrades, access to your preferred airport lounge and more.
  • $100 Hotel Credit when you pay for 2 consecutive nights or more: Redeem on dining, spa or other hotel recreational activities.
  • Automatic Gold Elite Status the first year: Includes complimentary room upgrades, late checkouts and exclusive point bonuses. You must spend $10,000 in the first year to maintain Gold Elite Status.
  • Get Platinum Elite Status: Spend $75,000 or more every year and get Platinum Elite Status, which includes arrival gifts, room guarantees and more.
  • Upgrade to Ritz-Carlton Club Level®: Every year, 3 times per year, on paid stays of up to 7 nights. Advanced reservations and e-certificate are required.
  • Worldwide Airport Lounge Access: Access to hundreds of airport lounges around the world.
  • 24/7 Conceirce Services


  • Fraud Protection: You will not be held responsible for unauthorized use of your card.


  • Purchase Protection: Provides coverage for 90 days against theft and damage.
  • Extended Warranty Protection: Extends a manufacturer’s warranty by 1 year, for warranties of 3 years or less.


  • Travel and Emergency Assistance: Provides help with emergencies, including legal and medical referrals.
  • Trip Cancellation / Trip Interruption Insurance: If a trip is disrupted for an eligible reason, provides reimbursement for non-refundable costs.  Eligible reasons include severe weather and sickness.
  • Lost Luggage Reimbursement: If checked or carry-on bags are lost or damaged, you get reimbursed.
  • Auto Rental Collision Damage Waiver: Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

Visa Signature Benefits

  • This card comes with Visa Signature benefits. You will be provided with a list of benefits available to you once you get approved for your card.

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