Credit Cards

The Ritz-Carlton Rewards®

Estimated Rewards

2 Year NetRewards


Ongoing NetRewards


+ Show Reward Breakdown






Credit Rating Required



Everyday Rewards


Special Rewards

No Special Rewards

Signup Bonus

No Signup Bonus

Features and Benefits

Two complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.

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.

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.

5 points per $1

Earn 5 points per $1 spent at participating Ritz-Carlton Rewards® and SPG® hotels.

2 points per $1

Earn 2 points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.

Plus, earn 1 point per $1 spent on all other card purchases.

Enhance Your Travels

$300 Annual Travel Credit
Enjoy a $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounge and more.

Worldwide Airport Lounge Access
Receive a complimentary annual Priority Pass Select membership* with access to over 900 VIP airport lounges in over 400 cities worldwide (~$399 retail value).

Global Entry Application Fee Reimbursement
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.

Airline Ticket Discount
Fly for less when you book a qualifying airline itinerary with The Ritz-Carlton Rewards Credit Card at

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.

Special Car Rental Privileges
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. Learn more about car benefits at

Receive special hotel privileges

Three Club Level Upgrades Annually
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.

$100 Hotel Credit
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.

Gold Elite Benefits
Enjoy complimentary Gold Elite status in The Ritz-CarltonRewards® 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.

Achieve Platinum Elite Status
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.

Premier Concierge. Personal Service
Call anytime, day or night, for the J.P. Morgan Premier Concierge. We can assist you with virtually any need, whether large or small.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Travel & purchase coverage

Baggage Delay Insurance
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.

Lost Luggage Reimbursement
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.

Auto Rental Collision Damage Waiver
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.

Price Protection
If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Trip Cancellation/Trip Interruption Insurance
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.

Trip Delay Reimbursement
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.

Fees and Rates

Annual Fee


Foreign Transaction Fee


Annual Percentage Rate


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Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: