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.

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Quick View

Quick View

  • 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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
Can You Pay Rent With Credit Cards? Is It Smart?
Susan Shain | Jul 18, 2018

If you want to get something out of paying your rent every month besides a place to live, you may want to pay rent with credit cards. We'll teach you how.

Read More
Brendan Harkness
Review of the L.L.Bean Mastercard
Brendan Harkness | Jul 18, 2018

The L.L.Bean Mastercard is popular for its benefits and rewards at L.L.Bean, but is it worth adding to your wallet? Read our review to find out.

Read More
Susan Shain
The Surprising Truth About APR vs. Interest Rate for Credit Cards
Susan Shain | Jul 11, 2018

How do issuers calculate their APR vs. interest rate for credit cards? The answer may surprise you. Find out what's important when looking at APRs.

Read More