Ritz carlton credit card - Revision history

Editor: Editor moved page Ritz Carlton Credit Card to Ritz carlton credit card without leaving a redirect

2021-02-19T05:05:23Z

Editor moved page Ritz Carlton Credit Card to Ritz carlton credit card without leaving a redirect

Editor at 22:09, 11 October 2020

2020-10-11T22:09:01Z

Editor at 00:08, 28 January 2020

2020-01-28T00:08:36Z

Editor at 18:02, 2 November 2019

2019-11-02T18:02:29Z

Editor at 16:26, 6 September 2018

2018-09-06T16:26:20Z

Editor: /* Collecting the Signup Bonus */

2018-09-05T23:08:34Z

‎Collecting the Signup Bonus

Editor at 23:08, 5 September 2018

2018-09-05T23:08:02Z

Editor at 23:07, 5 September 2018

2018-09-05T23:07:42Z

Editor: /* Bonus Categories */

2018-07-10T21:08:44Z

‎Bonus Categories

Editor: /* Bonus Categories */

2018-07-10T21:08:11Z

‎Bonus Categories

@@ Line 49: / Line 49: @@
 {{TOC|All}}
 *[[#Collecting the Signup Bonus|Signup Bonus]]
-*[[#Taking Advantage of the Airline Incidental Credit|Airline Incidental Credit]]
+*[[#Airline Incidental Credit|Airline Incidental Credit]]
 *[[#Visa Infinite Air Credit|Visa Infinite Air Credit]]
 *[[#Other Notable Benefits|Other Notable Benefits]]
@@ Line 60: / Line 60: @@
 No longer available for new signups.
-=== Taking Advantage of the Airline Incidental Credit ===
+=== Airline Incidental Credit ===
-The Ritz card's $300 annual credit can only be used for airline incidental expenses. However, unlike other incidental airline credits, you can use it to offset seat upgrade fees; and unlike the credit from Amex Platinum card, it isn't limited to a single airline.
+<ul class="bulletlist">
-The biggest drawback of the Ritz credit is that, alone among premium credit card travel credits, it is not applied automatically. After you've used the card to make a qualifying purchases, you need to remember to call in and make a reimbursement claim. This substantially increases the effort it takes to use the credit. Furthermore, it makes it more difficult to use the credit to purchase airline gift cards, which don't technically qualify for the credit. Rather than simply purchasing a gift card, and having a credit automatically (but incorrectly) applied, you will need to call in, and hope that the representative doesn't ask you what the charge was for. {{Link|incidental credits}}.
+<li>'''Credits only apply to incidental expenses''' like baggage fees, food and beverage purchases, and airport lounge access fees, not on actual ticket purchases. The credit for this card explicitly includes seat upgrades, which are often excluded from similar credits on other cards.</li>
-As a result, many people will not wind up getting anywhere near full value from this credit. However, if you do spend a bunch of money each year on seat upgrades, baggage fees, and other incidental expenses; or if you are planning on purchasing a lounge membership; and you take the extra step to call in; you might be able to get full value from the credit, and lower the card's effective annual fee to only $150.
+<li>'''Unlike the other airline incidental credits, the credit from the Ritz card is not applied automatically'''. After you've used the card to make a qualifying purchases, you need to remember to call in and make a reimbursement claim. This substantially increases the effort it takes to use the credit. Furthermore, it makes it more difficult to use the credit to purchase airline gift cards, which don't technically qualify for the credit. Rather than simply purchasing a gift card and having a credit automatically (but incorrectly) applied, you will need to call in and hope that the representative doesn't ask you what the charge was for. {{Link|incidental credits}}.</li>
-Because the credits are issued on a calendar-year basis, you can qualify for two credits the first year you have the card. For example, if you sign up for the card in August, you can get up to $100 credit for purchases made between August and December, and you can get take advantage of another $100 credit between the January and August.
+As a result, many people will not wind up getting anywhere near full value from this credit. However, if you do spend a bunch of money each year on seat upgrades, baggage fees, and other incidental expenses; or if you are planning on purchasing a lounge membership; and you take the extra step to call in; you might be able to get full value from the credit and lower the card's effective annual fee to only $150.
 === Other Notable Benefits ===

@@ Line 45: / Line 45: @@
 </div>
-'''The Ritz card offers a valuable signup bonus, provides access to the Visa Infinite $100 airfare credit, and if you regularly pay to stay at Ritz-Carlton hotels. a great set of additional benefits. But, most people won't want to hold onto the card due to it's very high annual fee. The card is not subject to the Chase 5/24 rule'''.
+'''If you regularly pay to stay at Ritz-Carlton hotels, the Ritz card a great set of Ritz-specific benefits. It can also be a cost-effective way to get access to Priority Pass lounges. But, the card is only available to people who upgrade from a Chase Marriott card.'''
 {{TOC|All}}
@@ Line 69: / Line 69: @@
 Because the credits are issued on a calendar-year basis, you can qualify for two credits the first year you have the card. For example, if you sign up for the card in August, you can get up to $100 credit for purchases made between August and December, and you can get take advantage of another $100 credit between the January and August.
 === Other Notable Benefits ===

@@ Line 74: / Line 74: @@
 '''The Ritz card is one of only three credit cards that provides the Visa Infinite Air Credit'''. With this credit, you'll get $100 back, every time you make a round trip, domestic, economy-class reservation for two or more people through the Visa website. You can use this credit as often as you like, over the course of the year. For example, if you travel three times per year, on qualifying flights, you would get $300 in rebates. {{Link|Visa Infinite}}.
-The Ritz card is the only one of the three cards that anyone can apply for. If this credit is particularly valuable to you, it can easily make it worthwhile to hold onto the Ritz card, especially if you can also take advantage of its hotel benefits (at Ritz hotels). However, if you have access to the {{Card|CrystalInfinite|only}} or {{Card|UBSinfinite|only}}, and you don't make paid stays at Ritz hotels, they are usually a better option.
+The Ritz card is the only one of the three cards that anyone can apply for. If this credit is particularly valuable to you, it can easily make it worthwhile to hold onto the Ritz card, especially if you can also take advantage of its hotel benefits (at Ritz hotels).
 === Other Notable Benefits ===

@@ Line 28: / Line 28: @@
 |PointType=
 |SignupBonusChart=//www.uscreditcardguide.com/chase-ritz-carlton-credit-card/#Historical_Offers_Chart
-|BonusCategories=6x Ritz Purchases (≈{{Value|Marriott|6}}%)
+|BonusCategories=6x Marriott Purchases (≈{{Value|Marriott|6}}%)
 x Restaurants (≈{{Value|Marriott|3}}%)

@@ Line 58: / Line 58: @@
 === Collecting the Signup Bonus ===
-{{Box|Marriott Points}}
+No longer available for new signups.
 === Taking Advantage of the Airline Incidental Credit ===

← Older revision	Revision as of 05:05, 19 February 2021
(No difference)

@@ Line 21: / Line 21: @@
 |CurrentSpendCustom=
 |OfferLink=
-|NormalOffer=No longer available for new signups.
+|NormalOffer=
 |NormalSpend=
-|NormalCustom=
+|NormalCustom=No longer available for new signups.
 |NormalValue =
 |NormalPer =

@@ Line 10: / Line 10: @@
 |Webpage=//creditcards.chase.com/travel-credit-cards/ritz-carlton-rewards
 |Webpage2 = [//www.ritzcarlton.com/en/rewards/credit-card Ritz Carlton Webpage]
-|ApplyLink=//applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FPVX
+|ApplyLink=
 |BusinessVersion=
 |Fee=450
@@ Line 21: / Line 21: @@
 |CurrentSpendCustom=
 |OfferLink=
-|NormalOffer=Two free Ritz hotel nights (tier 1-4), plus 10,000 points for an authorized cardholder.
+|NormalOffer=No longer available for new signups.
-|NormalSpend=4000
+|NormalSpend=
 |NormalCustom=
-|NormalValue = 450
+|NormalValue =
-|NormalPer = .11
+|NormalPer =
 |PointType=
 |SignupBonusChart=//www.uscreditcardguide.com/chase-ritz-carlton-credit-card/#Historical_Offers_Chart

@@ Line 113: / Line 113: @@
 <ul class="bulletlist">
-{{Bonus Hotel|med|Marriott and Ritz Carlton|5x Marriott points|{{Value|Marriott|6}}|This card}}
+{{Bonus Hotel|med|Marriott and Ritz Carlton|6x Marriott points|{{Value|Marriott|6}}|This card}}
 <li>{{Bonus Category|low|restaurant|3x Marriott points|{{Value|Marriott|3}}|Ritz Carlton|car rental|airline}} {{Link|restaurant spending}}. {{Link|travel spending}}. Until August, the card only earns 2x on these categories.</li>