The Secret to Getting the Discontinued Ritz-Carlton Credit Card — and Why You Need It

The Secret to Getting the Discontinued Ritz-Carlton Credit Card — and Why You Need It

The Ritz-Carlton Credit Card, issued by JPMorgan Chase, was a top-tier luxury travel card that quickly gained popularity due to its exceptional perks and rewards. However, the card was discontinued in 2018, leaving many travel enthusiasts wondering how they could get their hands on this exclusive piece of plastic. In this article, we will discuss the history of the Ritz-Carlton Credit Card, why it is a must-have, and the secret to obtaining this discontinued card. Additionally, we will explore the key features and benefits, maximizing rewards, comparing it to other luxury travel cards, and tips for using your Ritz-Carlton Credit Card effectively.

The history of the discontinued Ritz-Carlton Credit Card

The Ritz-Carlton Credit Card was introduced in 2011, offering a variety of luxury travel benefits and rewards. It swiftly became a favorite among frequent travelers who valued its elite status and the exceptional perks that came with it. The card was designed to cater to the needs of Ritz-Carlton clientele, who often travel extensively and expect a high level of service and luxury from their credit cards.

However, in 2018, Chase decided to discontinue the Ritz-Carlton Credit Card, much to the disappointment of its loyal cardmembers. The discontinuation was a strategic move by Chase to focus on promoting other travel cards in their portfolio, such as the Chase Sapphire Reserve and the Marriott Bonvoy Boundless Credit Card. Despite this, the Ritz-Carlton Credit Card remains a highly coveted card among luxury travel enthusiasts.

Why the Ritz-Carlton Credit Card is a must-have

The Ritz-Carlton Credit Card is a must-have for several reasons. Firstly, the card offers unparalleled luxury travel perks, including a $300 annual travel credit, complimentary airport lounge access, and Gold Elite status in the Marriott Bonvoy program. Additionally, cardholders can enjoy a $100 hotel credit for each two-night minimum stay at Ritz-Carlton properties, as well as a $100 airline credit for qualifying airline purchases.

Secondly, the rewards program associated with the Ritz-Carlton Credit Card is robust and flexible, allowing cardholders to earn points for every dollar spent on eligible purchases. These points can be redeemed for free nights at Ritz-Carlton properties or transferred to airline partners for award flights.

Lastly, the Ritz-Carlton Credit Card offers exceptional customer service and a dedicated concierge service, ensuring that cardholders receive the highest level of personalized attention while traveling.

The secret to obtaining the discontinued Ritz-Carlton Credit Card

Although the Ritz-Carlton Credit Card is no longer available for new applicants, there is still a way to obtain this exclusive travel card. The secret lies in product changing an existing Chase credit card to the Ritz-Carlton Credit Card. While not advertised by Chase, current cardholders can call the bank's customer service and request a product change to the Ritz-Carlton Credit Card. It is essential to note that this option is not guaranteed and is subject to Chase's discretion.

Before attempting this, make sure you have an eligible Chase credit card, such as the Marriott Bonvoy Boundless or the Chase Sapphire Preferred. Additionally, it is crucial to have a good payment history and credit standing with Chase, as this will increase your chances of a successful product change.

Key features and benefits of the Ritz-Carlton Credit Card

The Ritz-Carlton Credit Card offers an impressive array of features and benefits that make it an attractive option for luxury travelers. Some of the standout features include:

  1. $300 Annual Travel Credit: Cardholders receive a $300 annual travel credit, which can be used for qualifying airline purchases, including baggage fees, seat upgrades, and in-flight purchases.
  2. Complimentary Airport Lounge Access: The Ritz-Carlton Credit Card offers complimentary Priority Pass Select membership, providing cardholders with access to over 1,200 airport lounges worldwide.
  3. Gold Elite Status in the Marriott Bonvoy Program: Cardholders are granted Gold Elite status in the Marriott Bonvoy program, offering perks such as room upgrades, late check-out, and bonus points on stays.
  4. $100 Hotel Credit: For each two-night minimum stay at Ritz-Carlton properties, cardholders receive a $100 hotel credit that can be used for dining, spa services, and other hotel amenities.
  5. $100 Airline Credit: The Ritz-Carlton Credit Card offers a $100 airline credit for qualifying airline purchases, such as ticket upgrades and in-flight purchases.
  6. Global Entry/TSA PreCheck Fee Reimbursement: Cardholders can receive up to a $100 statement credit every four years for the application fee for either Global Entry or TSA PreCheck.

Maximizing rewards with the Ritz-Carlton Credit Card

To get the most out of your Ritz-Carlton Credit Card, it is essential to understand how to maximize the rewards and benefits. Here are some tips for doing so:

  1. Use the card for all Ritz-Carlton and Marriott Bonvoy purchases: Cardholders earn the highest number of points per dollar spent on eligible purchases at Ritz-Carlton and Marriott Bonvoy properties. By using the card for all Ritz-Carlton and Marriott Bonvoy purchases, you can maximize the points you earn.
  2. Take advantage of the $300 annual travel credit: Ensure you use the entire $300 annual travel credit for qualifying airline purchases, as this credit does not roll over to the following year.
  3. Utilize the $100 hotel credit: When booking a two-night minimum stay at Ritz-Carlton properties, be sure to take advantage of the $100 hotel credit to enhance your stay.
  4. Leverage your Gold Elite status: As a Gold Elite member in the Marriott Bonvoy program, take advantage of the perks, such as room upgrades and late check-out, to make your stays more enjoyable.
  5. Redeem points for high-value stays: When redeeming points, aim for high-value stays at luxury Ritz-Carlton properties, where you can get the most value for your points.

Comparing the Ritz-Carlton Credit Card to other luxury travel cards

When considering the Ritz-Carlton Credit Card, it is essential to compare it to other luxury travel cards on the market. Some popular alternatives include the American Express Platinum Card, the Chase Sapphire Reserve, and the Citi Prestige Card.

While each card offers a unique set of benefits and rewards, the Ritz-Carlton Credit Card stands out for its focus on luxury travel perks, such as the $100 hotel credit and Gold Elite status in the Marriott Bonvoy program. Additionally, the Ritz-Carlton Credit Card offers a more flexible rewards program, allowing cardholders to transfer points to airline partners for award flights.

However, it is crucial to consider your travel habits and preferences when choosing a luxury travel card. If you frequently stay at Ritz-Carlton properties or prioritize luxury travel perks, the Ritz-Carlton Credit Card may be the perfect fit for you.

Tips for using your Ritz-Carlton Credit Card effectively

To make the most of your Ritz-Carlton Credit Card, keep these tips in mind:

  1. Pay off your balance in full each month: To avoid paying interest on your purchases, ensure you pay off your balance in full each month.
  2. Stay informed about promotions and offers: Keep an eye on your email and the Marriott Bonvoy website for promotions and offers that can help you earn additional points or enjoy exclusive perks.
  3. Combine points with other Marriott Bonvoy accounts: If you have other Marriott Bonvoy accounts, such as those from family members, consider combining points to redeem stays at Ritz-Carlton properties more quickly.
  4. Use your concierge service: Take advantage of the dedicated concierge service offered by the Ritz-Carlton Credit Card to help you plan your travels and make your trips more enjoyable.

Frequently asked questions about the Ritz-Carlton Credit Card

1. Is the Ritz-Carlton Credit Card still available? The Ritz-Carlton Credit Card is no longer available for new applicants. However, existing Chase cardholders may be able to obtain it through a product change.
2. What credit score do I need for the Ritz-Carlton Credit Card? While there is no specific credit score requirement for the Ritz-Carlton Credit Card, it is generally recommended to have a good to excellent credit score (above 700) to qualify for this luxury travel card.
3. Can I transfer my Ritz-Carlton Credit Card points to other loyalty programs? Yes, Ritz-Carlton Credit Card points can be transferred to various airline partners for award flights.

Conclusion: Is the Ritz-Carlton Credit Card worth it?

In conclusion, the Ritz-Carlton Credit Card is an exceptional luxury travel card that offers a wide range of benefits and rewards for those who prioritize luxury and service. While the card is no longer available for new applicants, existing Chase cardholders may be able to obtain it through a product change. If you frequently stay at Ritz-Carlton properties or enjoy luxury travel perks, the Ritz-Carlton Credit Card is an excellent option to elevate your travel experiences.

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