Ritz-Carlton
$450 (Chase denied 2025 rumors of a $695 increase). Chase doesn't list the fee publicly, so confirm it on your statement.
Closed to direct applications since 2018. Obtainable only by product change from a Chase Marriott Bonvoy personal card (Bold, Boundless or Bountiful), typically after holding it 12 months and with roughly a $10,000+ credit line. If you already have it, its credits still count, and the Premium Finance app still tracks them.
Credits 3
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $330 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every year
One standard-room free night each year after the account anniversary at a property costing up to 85,000 points; top off with up to 25,000 points. Posts within 8 weeks, expires 12 months after issue. ~$350 conservative value.
Up to $300 per calendar year for airline incidentals (lounge passes/memberships, seat upgrades, bag fees, in-flight Wi-Fi/entertainment and meals; not tickets). Must call Chase (1-855-896-2222 / J.P. Morgan Priority Services) within 4 billing cycles to request each credit.
How to activate: Call or message Chase within 4 billing cycles of each airline charge to ask for the credit.
Every few years
$120 statement credit for the Global Entry application fee paid with the card, once every 4 years.
Perks 8
Benefits you use rather than credits that post to your statement.
Priority Pass Select for the primary cardmember and each authorized user, each with up to 2 free guests per visit ($27 per extra guest since Jan 15, 2026). Show the Priority Pass card or its digital membership card (a card in a phone wallet isn't accepted); lounges only, no restaurants.
Automatic Gold Elite each calendar year (25% bonus points, 2 p.m. late checkout and better room upgrades when available); one Ritz-Carlton card per member.
15 Elite Night Credits toward Marriott status each calendar year, deposited by March 1.
$100 credit for dining, spa or recreation on paid stays of 2+ nights at participating Ritz-Carlton or St. Regis hotels booked with the card (not room rate, alcohol, taxes or tips).
Three Club Level upgrade e-certificates per account anniversary year, for paid stays of up to 7 nights.
Free entry to Chase Sapphire Lounges with up to 2 guests per visit.
One year of National Emerald Club Executive after enrolling through the card's link (keeping it takes 12 paid rentals or 40 rental days a year), plus enrollment discounts with Avis and Hertz.
Complimentary premium in-room internet at participating Marriott Bonvoy hotels for the primary cardmember.
Also included
- No foreign transaction fees
- Primary auto rental collision damage waiver up to $75,000
- Trip delay reimbursement up to $500; trip cancellation/interruption up to $10,000 per traveler
- Lost luggage up to $3,000; baggage delay $100/day
- Purchase protection, return protection, extended warranty
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the Ritz-Carlton to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
Last checked Oct 16, 2026. Spot something out of date? Tell us.