The Ritz-Carlton Card Review (2026): Benefits, Rewards & Value
A luxury Marriott co-brand card with Priority Pass Select, an 85k annual free night, and a flexible travel statement credit.
The Ritz-Carlton Card Guide
A luxury Marriott co-brand card with Priority Pass Select, an 85k annual free night, and a flexible travel statement credit.
ANNUAL FEE
$450
WELCOME BONUS
Limited availability to existing Marriott Bonvoy cardholders
POINTS VALUE
~0.8¢ per Bonvoy point
TRANSFER PARTNERS
0
In This Guide:
Transfer Partners
| Transfer Partner | Transfer Ratio | Transfer Time | Transfer Bonuses |
|---|
Annual Credits & Benefits
Travel Credit
Calendar year
Up to $300 in statement credits each calendar year for travel purchases such as airline incidental fees, airfare, and other travel charges.
Pro Tip: Broad travel purchases qualify — airfare, baggage fees, and seat upgrades all count toward the $300.
Global Entry or TSA PreCheck Credit
Every 4 years
Statement credit for the application fee of Global Entry or TSA PreCheck.
Pro Tip: Choose Global Entry — it includes TSA PreCheck.
Is the The Ritz-Carlton Card Worth the $450 Annual Fee?
Ideal For:
- Luxury hotel travelers
- Annual travel credit
- Priority Pass
Not Ideal For:
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
- Budget-conscious consumers who don't want to pay an annual fee
Value Calculation Example
Here's a conservative estimate of annual value for a typical cardholder who uses most, but not all benefits:
| Benefit | Face Value | Realistic Value | Notes |
|---|---|---|---|
| Welcome Bonus | $0 | $0 | First year only |
| Travel Credit | $300 | $300 | Calendar year |
| Global Entry or TSA PreCheck Credit | Up to $100 for Global Entry or $85 for TSA PreCheck | Up to $100 for Global Entry or $85 for TSA PreCheck | Every 4 years |
| Marriott Bonvoy Platinum Elite status | $100+ | $100 | Estimated value |
| Annual Free Night Award (up to 85,000 points) | $100+ | $100 | Estimated value |
| Annual Fee | -$450 | -$450 | Yearly cost |
| TOTAL VALUE | Varies | Varies | $1,000+ over annual fee |
This calculation doesn't include the welcome bonus value in the first year, which could add significant additional value. Actual value depends on your specific usage patterns.
How to Earn Points
Sweet Spot Redemptions
| Route/Redemption | Points Required | Transfer Partner | Notes |
|---|
Advanced Tips & Tricks
Pro Insider Tips
Frequently Asked Questions
How We Rate & Review Credit Cards
CreditMilesGuru's editorial team evaluates credit cards based on annual fee value, welcome bonus, ongoing earn rates, transfer partner quality, travel protections, credits and perks, and current competitive landscape. Our ratings reflect independent analysis — we are not paid by card issuers to rate cards favorably. Annual fee corrections and benefit updates are applied as they are confirmed by issuers. This review was last updated June 2026.
Ready to Apply?
The The Ritz-Carlton Card offers exceptional benefits and rewards that make it a valuable addition to your wallet. A luxury Marriott co-brand card with Priority Pass Select, an 85k annual free night, and a flexible travel statement credit.