The The Ritz-Carlton™ Credit Card is a premium Marriott Bonvoy credit card issued by Chase. The card is no longer available for direct applications and is generally obtained by product changing from an eligible Chase Marriott credit card.
Key benefits include Marriott Bonvoy Gold Elite Status, an annual 85K Free Night Award, 15 Elite Night Credits, and up to US$300 in annual airline incidental credits.
One of its most distinctive benefits is that eligible Authorized Users can receive their own Priority Pass Select membership, making this card particularly valuable for couples and families who travel separately.
👉 Marriott Bonvoy Boundless → The Ritz-Carlton Credit Card Product Change Guide
The Ritz-Carlton Credit Card Benefits
| Benefit | Details |
|---|---|
| Annual Fee | US$450 |
| Authorized User Annual Fee | US$0 |
| Marriott Bonvoy Elite Status | Gold Elite |
| Annual Free Night Award | 1 × 85K FNA after each account anniversary |
| FNA Top Off | Add up to 25K Points, allowing redemptions of up to 110K Points/night |
| Elite Night Credits | 15 Elite Night Credits each year |
| Annual Travel Credit | Up to US$300 per calendar year for eligible airline incidental purchases |
| Priority Pass Select | Primary cardholder and eligible Authorized Users can each receive their own Priority Pass Select membership |
| Priority Pass Guests | Each eligible Priority Pass member can bring up to 2 guests at no additional charge |
| Marriott Purchases | 6X Marriott Bonvoy Points |
| Dining | 3X |
| Airline Purchases | 3X |
| Rental Cars | 3X |
| Other Purchases | 2X |
| Foreign Transaction Fee | 0% |
85K Free Night Award: Redeem for Up to 110K Points per Night
The Ritz-Carlton Credit Card provides an 85K Free Night Award after each account anniversary.
Marriott Bonvoy allows members to add up to 25,000 Marriott Bonvoy Points when redeeming a Free Night Award.
That means:
85K FNA + 25K Points = up to a 110K Points/night redemption
For example, if a Marriott Bonvoy hotel costs 105K Points for one night, you can redeem the 85K FNA and add 20K Points.
This makes the annual 85K FNA particularly useful for higher-end Marriott Bonvoy properties, including many Ritz-Carlton, St. Regis, and Luxury Collection hotels.
Free Authorized Users + Their Own Priority Pass
This is one of the most distinctive benefits of The Ritz-Carlton Credit Card.
Eligible Authorized Users don’t simply enter a lounge as guests of the primary cardholder. They can receive their own Priority Pass Select membership.
The structure is particularly valuable because:
Primary Cardholder → Own Priority Pass Select + up to 2 complimentary guests
Eligible Authorized User → Own Priority Pass Select + up to 2 complimentary guests
Authorized Users can therefore use their Priority Pass membership even when traveling without the primary cardholder.
For example, if a couple holds the card with one person as the primary cardholder and the other as an eligible Authorized User, both can independently access participating Priority Pass lounges when traveling separately.
With a US$0 Authorized User annual fee, this is one of the strongest benefits of the Ritz-Carlton Card compared with many other premium travel credit cards.
The key benefit is not simply that an Authorized User can accompany the primary cardholder into a lounge—the Authorized User can have their own Priority Pass Select membership.
US$300 Annual Travel Credit
The Ritz-Carlton Credit Card provides up to US$300 in annual statement credits for eligible airline incidental purchases each calendar year.
Eligible purchases may include items such as:
- Airline lounge day passes or memberships
- Seat upgrades
- Checked baggage fees
- In-flight meals
- In-flight entertainment and internet
Unlike some premium travel credits, this benefit is not automatically applied to every travel purchase.
After making an eligible purchase, the cardholder generally needs to contact J.P. Morgan Priority Services to request the statement credit within the applicable timeframe.
Eligible purchases made by Authorized Users may count toward the benefit, but the US$300 limit applies to the entire card account, rather than separately to each Authorized User.
Conclusion
The Ritz-Carlton™ Credit Card is one of the most unusual premium cards in the Marriott Bonvoy portfolio.
Its core benefits include Gold Elite Status, an annual 85K FNA, 15 Elite Night Credits, and up to US$300 in annual airline incidental credits. The 85K FNA can also be topped off with up to 25K Marriott Bonvoy Points, allowing redemptions of up to 110K Points per night.
However, one of the biggest reasons this card stands out is its Authorized User Priority Pass benefit.
Eligible Authorized Users can receive their own Priority Pass Select membership and can use it independently of the primary cardholder. With no annual fee for Authorized Users, this can be especially valuable for couples and families who frequently travel separately.
The card is no longer available for direct applications, so obtaining it requires a different strategy from other Marriott Bonvoy credit cards.
How to Get The Ritz-Carlton Credit Card
Since The Ritz-Carlton Credit Card cannot be applied for directly, the usual strategy is to first hold an eligible Chase Marriott credit card and later request a Product Change to the Ritz-Carlton Card.
The exact eligibility depends on your existing Chase Marriott card, account history, available credit line, and Chase’s current product-change policies.
👉 Marriott Bonvoy Boundless → The Ritz-Carlton Credit Card Product Change Guide
Marriott Bonvoy American Express Credit Card Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
|---|---|---|---|
| Marriott Bonvoy Brilliant® American Express® Card | US$650 | Platinum Elite, annual 85K FNA, up to US$300 Dining Credit, 25 Elite Night Credits, 6X at Marriott | 0% |
| Marriott Bonvoy Bevy® American Express® Card | US$250 | Gold Elite, 50K FNA after US$15K annual spend, 15 Elite Night Credits, 6X at Marriott | 0% |
| Marriott Bonvoy Business® American Express® Card | US$125 | Gold Elite, annual 35K FNA, additional 35K FNA after US$60K annual spend, 15 Elite Night Credits, 6X at Marriott | 0% |
Marriott Bonvoy Chase Credit Card Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
|---|---|---|---|
| Marriott Bonvoy Bountiful® Credit Card | US$250 | Gold Elite, 50K FNA after US$15K annual spend, 15 Elite Night Credits, 6X at Marriott | 0% |
| Marriott Bonvoy Boundless® Credit Card | US$95 | Silver Elite, annual 35K FNA, 15 Elite Night Credits, 1 Elite Night Credit per US$5K spent, 6X at Marriott | 0% |
| Marriott Bonvoy Bold® Credit Card | US$0 | Silver Elite, 5 Elite Night Credits, 3X at Marriott | 0% |
| The Ritz-Carlton™ Credit Card | US$450 | Gold Elite, annual 85K FNA, US$300 Airline Credit, Priority Pass, 6X at Marriott | 0% |
The Ritz-Carlton Credit Card is no longer available for direct applications. It is generally obtained by product changing from an eligible Chase Marriott credit card.
