The Ritz-Carlton Credit Card by Chase: 6x hotels, 3x dining & restaurants, 3x flights / airfare, 3x rental cars, 2x everything else. $450 annual fee.…
The The Ritz-Carlton Credit Card is Chase's premium credit card. The $450/yr annual fee includes a no current welcome bonus. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| $300 Airline Incidental Credit (baggage/seat/lounge) | $300/yr | $300 per calendar year in statement credits for airline incidentals (baggage fees, seat upgrades, lounge day passes or memberships, in-flight wifi and meals). Must call J.P. Morgan Priority Services within 4 billing cycles of the purchase. |
| 85,000-point Annual Free Night Award | $595/yr | Free Night Award each account anniversary, redeemable at properties up to 85,000 points; can be topped up with up to 25,000 points. Expires 12 months after issue. |
| Global Entry / TSA PreCheck application fee | $120/quadrennial | Statement credit covering the Global Entry or TSA PreCheck application fee, once every four years. |
Welcome bonus value (year one): ~$0. Annual statement credits: $1015. Minus the $450 annual fee = ~$565 in year-one net value before any spending earn. RewardsGuru rating: 2.5/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
Year-one math: welcome bonus value (~$0) + annual credits ($1015) − $450 fee = ~$565 net before spending earn. Year-two onward, the credits alone need to clear $450 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: $300 Airline Incidental Credit (baggage/seat/lounge) ($300/yr), 85,000-point Annual Free Night Award ($595/yr), Global Entry / TSA PreCheck application fee ($120). Total: $1015/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.