I love my Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase. The card is made of metal. It’s heavy. When you hand it to the cashier to make a purchase, you get the “WOW this is cool!” expression.
I also love the sign up bonus I received for the Ritz-Carlton Rewards® Visa Credit Card 2 years ago. It probably was 100,000 Ritz-Carlton Rewards® points bonus. Since they are basically the same as Marriott Rewards® points, I redeemed those points for Marriott Rewards®’ Travel Package. Marriott Rewards®’ Travel Package netted me a free week at the Marriott Sukhumvit Bangkok, Thailand. That was an excellent choice (review coming soon!). The Marriott Rewards®’ Travel Package also got me tons of Southwest Airlines frequent flier points. Those Southwest Airlines points made it easy for me to get the coveted Companion Pass.
However, the time has come for the $450 annual fee (I was grandfathered to the $395 annual fee) to kick in. If you’re in my position, let’s evaluate whether we should keep or cancel our Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase.
By the way, this is a 2 part series. First let’s look at 10 reasons why you should keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase.
10 reasons why you should keep the Ritz-Carlton Rewards® Visa Credit Card
The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase has great benefits that attracted me to sign up. Those same reasons might be why you should keep the card.
2 Ritz-Carlton e-Certificates
If you applied for The Ritz-Carlton Rewards® Visa Credit Card by J.P Morgan Chase recently, you probably got offered 2 Ritz-Carlton e-Certificates after $4,000 in purchases within the first three months. You can use these Ritz-Carlton e-Certs to redeem for 2 nights at participating Ritz-Carlton hotels (Tier 1-4) like the Ritz-Carlton Osaka, Japan (pictured below).
Now if you opened this card, make sure you take advantage of this offer. For example, one night at some Ritz-Carlton hotels sometimes worth over $500. Also make sure you use the Ritz-Carlton e-Certs within 12 months of issuance because they do expire!
5 points per $1 spent at all participating Ritz-Carlton Rewards and SPG hotels®
If you stay at the Ritz-Carlton luxury hotels a lot, it’s wise to keep The Ritz-Carlton Rewards® Visa Credit Card. This is because The Ritz-Carlton Rewards® Visa Credit Card gives you 5 points per $1 spent at all participating Ritz-Carlton Rewards and SPG hotels®. Since The Ritz-Carlton Rewards® points are essentially the same as Marriott Rewards® points, you can also redeem those Ritz-Carlton Rewards® points at participating Marriott hotels worldwide. Also since Marriott now owns SPG, you can transfer your Marriott Rewards® points to SPG at 3:1 ratio and enjoy free stays at SPG hotels too! Certainly a good reason to keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase.
2 points per $1 spent on airline tickets purchased directly with airlines and car rental companies
If you travel a lot, The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase gives you 2 points per $1 spent on airline tickets purchased directly with the airlines. Also with this credit card, you get 2 points per $1 spent at car rental agencies and restaurants, otherwise, it’s 1 point per $1 spent on all other card purchases. So if you don’t have other credit cards that give you more points per $1 spent on travel especially airline tickets, then you should keep The Ritz-Carlton Rewards® Visa Credit Card.
$300 annual travel credit
Again, if you travel a lot, $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounges etc you get with The Ritz-Carlton Rewards® Visa Credit Card by J.P Morgan Chase makes it worth keeping. This annual travel credit is not automatic like other credit cards’ travel credit card like the Citi Prestige® (means you have to call customer service to get reimbursed). It also does not cover airline tickets. The Ritz-Carlton Rewards® Visa Credit Card travel credit is based on calendar year so make sure you use yours every year before December 31st. When you fully utilize this, it’s like as if you’re getting $300 off the annual fee.
$100 Ritz-Carlton hotel credit
If you’re a regular Ritz-Carlton hotels patron, then keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase. Why? Because you get $100 hotel credit toward dining, spa or other hotel recreational activities on paid stays of two nights or longer. Think of it as another $100 off the annual fee if you utilize this.
Priority Pass™ Select airline lounges membership
If you keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase, you keep your access to hundreds of airport lounges worldwide through automatic membership in Priority Pass™ Select. I love a secluded lounge area from the main airport crowd where I can hide. Usually those lounges have refreshments and snacks too.
Gold Elite status for the first account year
The Ritz-Carlton Rewards® Gold status is worth its weight in gold. You get upgrades to enhanced room if available, late checkout, 25% bonus points to name a few. Plus you’re also instantly Marriott Rewards® Gold and SPG® Gold. So you get elite benefits at Marriott and SPG hotels too like free continental breakfast at Marriott hotel lounges. This is totally worth it because breakfast is expensive in some places like London! If you keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase more than 1 year though, you will have to make $10000 in purchases to maintain the Gold status or $75k to get the fancy Platinum status.
3 complimentary Ritz-Carlton Club Level upgrades
Every year you keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase, you get to upgrade your stay three times annually on paid stays up to seven nights to the Ritz-Carlton Club Level. The Ritz-Carlton Club Level has nicer rooms, and access to their amazing lounges (sometimes comes with multiple food presentations like breakfast, teatime snacks, dinner) like the Ritz-Carlton Tokyo Japan I stayed at recently.
Free Global Entry
Speed through immigration with Global Entry! Keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase and when you’re ready to apply and pay for your Global Entry application (currently $100), use it and receive a $100 statement credit. Global Entry also comes with TSA Pre ✓® privileges if you are approved. If you use this benefit, this card is a keeper since this is as if you got $100 off your annual fee the year you use that credit.
Save $100 on air travel
Not many people are aware of this but there is a special Visa website to book air travel. If you use your The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase, you save $100 on tickets with qualifying itinerary for 2 to 5 travelers. Now if you do this multiple times over, that would totally cover your annual fee cost of this card!
There you have it – 10 Reasons why you should keep The Ritz-Carlton Rewards® Visa Credit Card by J.P. Morgan Chase. Because I’m an objective blogger, the next post in this 2-part series, I shall write about reasons why you should cancel your card. Stay tuned!
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