Ritz-Carlton
Chase
Ritz-Carlton
Offer Strength
This card has no welcome bonus. Value comes from intro APR or ongoing benefits.
Annual Fee
$450/yr
Credit Score
Excellent credit recommended (740+)
Only available via product change from an existing Chase Marriott card.
No longer available for new applications
No longer open for new applications — only obtainable by product-changing an existing Chase Marriott card (held 12+ months, $10,000+ credit limit). Subject to Marriott cross-issuer restrictions.
No Longer Available
Ritz-Carlton
Welcome Offer
Not available for new applications. Obtainable only via product change from an existing Chase Marriott card.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Marriott cross-issuer rules
Marriott cards from Chase and Amex share bonus eligibility with asymmetric restrictions. Applying for an Amex Bonvoy card requires no open Chase Marriott cards, at least 30 days since closing one, and 90 days since opening one. A 24-month cross-issuer bonus cooldown applies in both directions.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Marriott purchases
6x points
At participating Marriott Bonvoy hotels
Dining, car rentals & airfare
3x points
At restaurants, car rental agencies, and flights booked directly with airlines
Everything else
2x points
Key benefits
$300 travel credit
Annual statement credit for airline incidentals (baggage, seat upgrades, lounge passes, in-flight purchases).
Annual free night (85k)
One free night certificate each anniversary at properties up to 85,000 points.
Priority Pass Select
Airport lounge access at 1,300+ lounges. Cardholder + 2 free guests; $27 per additional guest.
Gold Elite status
Marriott Bonvoy Gold Elite: 25% bonus points, 2 PM late checkout, enhanced room upgrades.
$100 hotel credit
$100 credit for dining, spa, and recreation at Ritz-Carlton and St. Regis on paid stays of 2+ nights.
Perks
3 Club Level upgrades
Three Ritz-Carlton Club Level upgrade certificates per year for paid stays up to 7 nights.
Global Entry / TSA PreCheck
Up to $120 statement credit for Global Entry or TSA PreCheck application fee.
No foreign transaction fees
Use worldwide without extra charges.
Ongoing Value
Annual benefits that offset the fee year after year.
Anniversary Free Night
1 free night per year (up to 85,000 pts)
Annual Credits
$400 in statement credits per year
Elite Status
Gold Elite (~$100/yr value)
$300 travel credit, $100 Ritz-Carlton/St. Regis hotel credit (2+ night stays), free night (85k), Gold Elite, 15 ENC, Priority Pass Select, Global Entry/TSA PreCheck $120.
Annual Fee Breakeven
Good fit for
About this card
The Chase Ritz-Carlton card is a discontinued premium Marriott card available only via product change from another Chase Marriott card. It offers Priority Pass lounge access, a $300 travel credit, an annual free night certificate (up to 85,000 points), and Marriott Gold Elite status.
Best for
Existing Chase Marriott cardholders looking to upgrade to premium lounge access and higher travel credits via product change.
Key considerations
No longer open for new applications — only obtainable by product-changing an existing Chase Marriott card (held 12+ months, $10,000+ credit limit). Subject to Marriott cross-issuer restrictions.
Card analysis
Annual fee value
The $450 annual fee is more than offset by ongoing benefits including free night certificate (~$350), annual statement credits ($400), Gold Elite elite status (~$100), with an estimated total value of ~$850 per year.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
The Marriott cross-issuer restriction appears to apply based on current offer terms. Marriott Bonvoy cards are issued by both Chase and Amex, and your existing holdings, recent closures, and bonus history may affect eligibility. The specific restrictions differ depending on whether you're applying for a Chase or Amex card.
This card belongs to the marriott product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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