Personal Finance

Chase Ritz-Carlton Credit Card: Still Worth Getting in 2026?!

AskSebby
AskSebby•May 18, 2026

Why It Matters

For frequent Marriott or lounge travelers, the Ritz-Carlton Card can easily justify its fee through the annual night certificate and broad lounge access—especially when leveraging free authorized-user Priority Passes—while the product-change requirement and credit-use restrictions mean prospective holders must plan acquisition and usage strategically.

Summary

The legacy Ritz-Carlton Card carries a $450 annual fee but still delivers material perks: an annual anniversary free night certificate up to 85,000 Bonvoy points (expires after 12 months), up to $300 annual airline incidental travel credit, Marriott Bonvoy Gold status plus 15 elite nights, three club-level upgrade certificates, and Priority Pass lounge access for the cardholder and authorized users. Its standout feature is that authorized users receive their own Priority Pass cards at no additional cost, which can be especially valuable for families or partners who travel separately. The card is not available by direct application; you must product-change from a Chase Marriott Bonvoy card opened over 12 months with a $10,000 credit limit. Downsides include limits on how some credits can be used and patchy lounge access with some carriers, so value depends on individual travel patterns.

Original Description

💳 Learn more about the Marriott Bonvoy Boundless® Credit Card https://www.asksebby.com/go/marriottboundless1 Click "Show More" to see Ad Disclosure.
💳 More Marriott Bonvoy Bold® Credit Card: https://www.asksebby.com/go/marriottbold1
💳 Sebby’s Card Picks: https://www.asksebby.com/credit-cards
Ritz-Carlton™ Credit Card Calculator: https://www.asksebby.com/articles/ritz-carlton-card-worth-it
The legacy Ritz-Carlton™ Credit Card still has a $450 annual fee, but it can be surprisingly strong if you know how to use it. In this video, we break down how to get the card through a Chase Marriott product change, the key benefits like the up to 85,000-point anniversary Free Night Award, up to $300 annual travel credit, Marriott Bonvoy Gold Elite status, club level upgrade certificates, Priority Pass, Chase Sapphire Lounge access, and the hidden authorized user superpower. We also cover the main downsides, how the card compares to other premium cards, and practical redemption ideas for places like Hawaii, Kyoto, Tokyo, and Half Moon Bay.
Timeline
0:00 Start Here
0:21 Ritz-Carlton Card Overview
3:41 How to Get the Ritz-Carlton Card
5:24 Super Powers
6:51 Cons
9:03 85K Anniversary Free Night Award
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