The Ritz-Carlton Rewards® Credit Card |
NEW CARDMEMBER OFFER Two complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months from your account opening with your Ritz-Carlton Rewards Credit Card.* Same page link to Offer Details
At a glance
Enhance Your Travels
Enjoy a $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounge and more.* Same page link to Offer Details
Upgrade to The Ritz-Carlton Club® Level 3 times annually on paid stays of up to 7 nights.* Same page link to Offer Details
APR 17.49(4.75 + 12.74)%–24.49(4.75 + 19.74)% variable APR.† Same page link to Pricing and Terms
ANNUAL FEE $450† Same page link to Pricing and Terms
at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months from your account opening with your Ritz-Carlton Rewards Credit Card.* Same page link to Offer Details
Plus, earn 10,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.* Same page link to Offer Details
This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Earn 5 points per $1 spent at participating Ritz-Carlton Rewards® and SPG® hotels.* Same page link to Offer Details
Earn 2 points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.* Same page link to Offer Details
Plus, earn 1 point per $1 spent on all other card purchases.* Same page link to Offer Details
Enjoy a $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounge and more. Simply call to apply the credit.* Same page link to Offer Details
Enjoy a $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounge and more. Simply call to apply the credit.* Same page link to Offer Details
Receive a complimentary annual Priority Pass™ Select membership* Same page link to Offer Details with access to over 900 VIP airport lounges in over 400 cities worldwide (~$399 retail value).
Use your Ritz-Carlton Rewards Credit Card to pay for your Global Entry application (currently $100) and receive a $100 statement credit. You'll also be eligible to receive TSA Pre✓® privileges if you are approved.* Same page link to Offer Details
Fly for less when you book a qualifying airline itinerary with The Ritz-Carlton Rewards Credit Card at visadiscountair.com/ritzcarltoncard.
Your card saves you $100 on the total cost of between 2 and 5 qualifying round-trip, domestic coach airline tickets purchases on the same itinerary.* Same page link to Offer Details
Unlock special car rental benefits with The Ritz-Carlton Rewards Credit Card. Enroll in leading car rental reward programs from Avis, National and Silvercar and enjoy privileges such as special discount and upgrades when available.* Same page link to Offer Details Learn more about car benefits at ritzcarltonrewardscard.com.
Upgrade to The Ritz-Carlton Club® level three times annually on paid stays of up to 7 nights. Subject to availability at the time of your reservation.* Same page link to Offer Details
Allow us to treat you during your time away with a $100 hotel credit toward dining, spa or other hotel recreational activities on paid stays of two nights or longer.* Same page link to Offer Details
Enjoy complimentary Gold Elite status in The Ritz-Carlton Rewards® program for your first account year. To continue to enjoy Gold Elite Status benefits, simply spend $10,000 your first year and each subsequent year to maintain your Gold Elite status.* Same page link to Offer Details
Enjoy Platinum Elite benefits of The Ritz-Carlton Rewards, such as arrival gifts, room guarantees and more, when you spend $75,000 on purchases each account year.* Same page link to Offer Details
Call anytime, day or night, for the J.P. Morgan Premier Concierge.* Same page link to Offer Details We can assist you with virtually any need, whether large or small.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.** Same page link to disclaimer
If you or your immediate family members' checked or carry-on bags are damaged or lost by the carrier, you're covered up to $3,000 per passenger.** Same page link to disclaimer
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.** Same page link to disclaimer
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.** Same page link to disclaimer
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.** Same page link to disclaimer
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.** Same page link to disclaimer
** These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages. The Ritz-Carlton Rewards is not responsible for the benefits described in the Guide to Benefits.
© 2018 JPMorgan Chase & Co. All rights reserved.
Chase Bank USA, N.A. is the issuer of The Ritz-Carlton Rewards® Credit Card and a subsidiary of JPMorgan Chase & Co.
2 Complimentary Nights after you spend $4,000 in the first 3 months from Account Opening:
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive Two Free Night Stay E-Certificates, you must make purchases totaling $4,000 or more during the first 3 months from account opening. Purchases are when you, or an authorized user, use a Ritz-Carlton Rewards credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn Rewards points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. After qualifying, please allow up to 8 weeks for your Two Free Night Stay E-Certificates to be automatically deposited into your Ritz-Carlton Rewards account. Free Night Stay E-Certificates are valid for hotels in Tiers 1-4. Certificates are for a standard room type. For participating Tier 1-4 locations, log on to www.RitzCarltonRewards.com or call 1-888-696-0394. All E-Certificates will have an expiration of 12 months. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. E-Certificates may be used on separate stays or on the same stay. E-Certificates are only valid at Ritz-Carlton Hotels. Annual fee applies. For pricing details, please see Pricing & Terms.
10,000 Bonus Points After your First Purchase and addition of an Authorized User in the First 3 Months from Account Opening:
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify for and receive your bonus, your First Purchase and addition of an authorized user to your account must both occur during the first 3 months from account opening. ("First Purchase" does not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 8 weeks for bonus points to post to The Ritz-Carlton Rewards® account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If your account is not open for at least 6 months, The Ritz-Carlton and Chase reserve the right to deduct the bonus points from The Ritz-Carlton Rewards account.
Adding an Authorized User:
All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same account number and charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user's credit score. When you tell us to add a user to your account, you're confirming that you have a relationship with the person or people whose name(s), address(es), and date of birth(s) you've told us, that all their information is correct, and that you have their consent to add them. If Chase determines you've given us fraudulent name, address, or date of birth information, or did not have such consent, Chase can close this account.
Earning Ritz-Carlton Rewards Points:
Rewards Program Agreement: For more information about The Ritz-Carlton Rewards card rewards program, view the latest Rewards Program Agreement. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com.
How you can earn Rewards points: You'll earn Rewards points when you, or an authorized user, use The Ritz-Carlton Rewards® credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn Rewards points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 5 Rewards points ("5X points"): You'll earn 5 Rewards points for each $1 spent on qualifying purchases made at participating The Ritz-Carlton® locations, participating Marriott® locations, and all Starwood-branded hotels, which participate in Starwood Preferred Guest®, including participating: Four Points® by Sheraton, Sheraton® hotels, Aloft® hotels, W® Hotels, Le Meridien® hotels, The Luxury Collection® hotels, Element® hotels, Westin® hotels, St. Regis® hotels, Tribute Portfolio™ and Design Hotel™ properties. "Participating The Ritz-Carlton locations" and "participating Marriott locations" mean all The Ritz-Carlton and Marriott branded hotels which participate in The Ritz-Carlton Rewards® or Marriott Rewards. Go to ritzcarltonrewards.com, marriottrewards.com, or spg.com, as applicable, for a list of participating locations. You will only receive the accelerated earn of 5 points for each dollar spent from the credit card program. You will not receive additional points under The Ritz-Carlton Rewards program for stays at participating SPG locations. 2 Rewards points ("2X points"): You'll earn 2 Rewards points for each $1 spent in the following rewards categories: restaurants; airline tickets purchased directly from the airline; car rental agencies. 1 Rewards point ("1X point"): You'll earn 1 Rewards point for each $1 spent on all other purchases, including purchases for stays at The Ritz-Carlton Destination Club® locations, Charter Rewards points or payment of annual Destination Club program membership dues. Information about earning/transferring Rewards points to The Ritz-Carlton Rewards: Rewards points earned during a billing cycle will be automatically transferred to your The Ritz-Carlton Rewards account after the end of each billing cycle. Rewards Points Expiration: The Rewards points transferred to your The Ritz-Carlton Rewards account won't expire as long as there is card earning activity or other qualifying The Ritz-Carlton Rewards earning or redemption activity every 24 months. For details on this points expiration policy, visit www.ritzcarlton.com/en/rewards/about/points-policy. Losing Rewards points: You'll immediately lose all Rewards points that haven't been transferred to your The Ritz-Carlton Rewards account if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs.
$300 Annual Travel Credit:
To request a statement credit to apply towards qualifying airline incidental purchase(s) made with your Ritz-Carlton Rewards Credit Card, you must contact J.P. Morgan Priority Services at the number on the back of your Ritz-Carlton Rewards Credit Card within 4 billing cycles of the purchase date. Only the following types of non-ticket purchases qualify for this offer: airline lounge day pass, or towards a yearly lounge membership of your choice; airline seat upgrades; airline baggage fees; in-flight Internet/entertainment; in-flight meals. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. However, we do reserve the right to determine which purchases qualify for statement credits. Statement credit will post to your account within 5-7 business days and will appear on your monthly credit card billing statement within 1-2 billing cycles. Qualifying purchases made by authorized users on your account are eligible for statement credits; however, only the obligor on the account, not authorized users, may request statement credits. Maximum statement credit accumulation for this offer is $300 per calendar year. Annual credit will be issued for the calendar year in which the transaction posts to your account. For example, if you pay baggage fees at the end of 2015, and the airline does not post the transaction until 2016, the cost of the baggage fees will be allocated towards your 2016 calendar year maximum of $300. The Ritz-Carlton Rewards is not responsible for offer fulfillment or the provision of or a failure to provide the stated benefits and services.
Worldwide Airport Lounge Access:
Certain terms, conditions and exclusions apply. Priority Pass™ Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. The Ritz-Carlton Rewards® is not responsible for offer fulfillment or the provision of or a failure to provide the stated benefits and services. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit www.prioritypass.com/select.
Terms & Conditions: Global Entry Credit
Terms & Conditions: $100 Airline Ticket Discount
Avis Terms and Conditions
Discount applies to base rate only at participating locations when booked directly through Avis by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Ultimate Rewards nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional terms such as Loss Damage Waiver (LDW) up to $30 per day are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply.
National Terms and Conditions
Discount applies to base rate only at participating locations when booked directly through National Car Rental by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Ultimate Rewards nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional items such as Loss Damage Waiver (LDW) up to $30 per day are extra. In the U.S., check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply.
Silvercar Terms and Conditions
No blackout dates. Reservations must be 2 days or longer. Offer not valid with any other offer unless stated otherwise. Discount applies to base rental rate before surcharges and taxes. These discounts are administered by the rental car providers directly and cannot be used when booking through Ultimate Rewards nor can Ultimate Rewards points be used as payment when booking directly with the rental car provider.
Visa Terms and Conditions
Offer subject to change, and is based on the individual merchant's terms and conditions. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser.
Many of the stated benefits and services of this product are provided by third parties who are solely responsible for their provision or fulfillment.
Upgrade to The Ritz-Carlton Club Level:
Club Level offer valid at participating Ritz-Carlton hotels on up to three qualifying paid stays per account anniversary year using The Ritz-Carlton Rewards Credit Card with a seven-night maximum length of stay, subject to availability at time of reservation. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. E-Certificate is required, is non-transferable, and not combinable with other offers. Club Level Upgrade E-certificates are valid for 1 room per E-certificate and up to 2 guests per room. Valid only on member rates and non-discounted rates available weekdays and weekends on standard and premium rooms. Not valid on special corporate negotiated rates, wholesale rates, discounts or promotions (includes AAA), packages, group rates, eChannel rates, advance purchase rates and Government rates. Reservation must be paid for with valid Ritz-Carlton Rewards credit card. Account must be open and not in default to maintain your Club Level E-certificates. Chase Bank USA, N.A. is not responsible for offer fulfillment or the provision of or a failure to provide the stated benefits and services.
$100 Hotel Credit:
Hotel credit available at participating Ritz-Carlton hotels for qualifying paid stays using The Ritz-Carlton Rewards Credit Card, when booking this offer and requires a two-night minimum length of stay, subject to availability. Valid only on member rates and non-discounted rates available weekdays and weekends on standard and premium rooms. Not valid on special corporate negotiated rates, wholesale rates, discounts or promotions (includes AAA), packages, group rates, eChannel rates, advance purchase rates and Government rates. Credit is non-transferable or combinable with other offers, consecutive reservations in the same hotel are not valid, and advanced reservations are required. Credit must be used during original reservation, no cash back, and may not be applied to room rate or hotel goods or services provided by a third party. Not valid on room rate, alcohol, taxes or gratuities. Reservation must be paid for with valid Ritz-Carlton Rewards credit card. Chase Bank USA, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and services.
Automatic Gold Elite Status for your First Year:
With this bonus offer, you will automatically receive Gold Elite Status your first account anniversary year as a cardmember. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. You must make purchases of $10,000 or more during your first account anniversary year in order to qualify for Gold Elite status your second account anniversary year. Each account anniversary year you make purchases totaling $10,000 or more, including during your first account anniversary year, you will qualify for Gold Elite Status through December 31 of the following year. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to 8 weeks from account open date and the end of each account anniversary year you qualify for the Gold Elite Status award to be applied to your Ritz-Carlton Rewards account. To qualify for and maintain Gold Elite Status your account must be open and not in default. If you do not qualify for this bonus offer, in order to receive Gold Elite benefits you must qualify for Gold Elite Status under the terms of The Ritz-Carlton Rewards program. Only one Ritz-Carlton Rewards Credit Card account per Rewards member, (Rewards member must be the primary cardmember on that account), is eligible for the Gold Elite Status award. Chase Bank USA, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the Gold Elite benefits and services.
Platinum Elite Status:
Each account anniversary year you make Net Purchases totaling $75,000 or more you will qualify for Platinum Elite Status through December 31 of the following year. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to 8 weeks after qualifying for the Platinum Elite Status award to be applied to your Ritz-Carlton Rewards account. To qualify for and maintain Platinum Elite Status your account must be open and not in default. If you do not qualify for this bonus offer, in order to receive Platinum Elite benefits you must qualify for Platinum Elite Status under the terms of The Ritz-Carlton Rewards program. Only one Ritz-Carlton Rewards Credit Card account per Rewards member, (Rewards member must be the primary cardmember on that account), is eligible for the Platinum Elite Status award. Chase Bank USA, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the Platinum Elite benefits and services.
Premier Concierge:
Cardmembers are responsible for the cost of any goods or services purchased through J.P. Morgan Premier Concierge.
THE RITZ-CARLTON REWARDS® PROGRAM INFORMATION
Points accrued and awards issued are subject to the terms and conditions of The Ritz-Carlton Rewards program. Click here for complete terms and conditions of The Ritz-Carlton Rewards program, including all redemption values and the list of participating hotels. Terms and conditions of The Ritz-Carlton Rewards program may be modified and services, benefits and participating hotels may be added or deleted at any time without notice to cardmembers. Individuals whose request for a credit card are not approved will not be enrolled in The Ritz-Carlton Rewards program through this offer, although existing Ritz-Carlton Rewards memberships will not be affected. Additional authorized users will not be enrolled in The Ritz-Carlton Rewards program as a result of this offer. The Ritz-Carlton Rewards points awarded through the use of the authorized user's card will only be credited to the Primary Cardmember's Ritz-Carlton Rewards account.
Associates of Marriott International, Inc. and its subsidiaries will only receive the accelerated earn of 5 points for each dollar spent at participating hotels from the credit card program and will not receive additional points under the Marriott Rewards Program for stays at participating Marriott, the Ritz-Carlton or SPG® locations.
Accounts subject to credit approval. Restrictions and limitations apply. The Ritz-Carlton Rewards credit cards are issued by Chase Bank USA, N.A., a subsidiary of JPMorgan Chase & Co. Offer subject to change.