Chase Sapphire Ritz Carlton Card Review and Guide

The Chase Sapphire Ritz Carlton Card is a premium credit card that offers an array of benefits and rewards.

It has a $450 annual fee, which may seem steep, but it comes with a $300 travel credit, making it a worthwhile investment for frequent travelers.

You'll also get a $200 hotel credit, which can be used towards stays at participating Ritz Carlton hotels, or other properties within the Marriott Bonvoy portfolio.

The card also offers a 3x points earning rate on travel and dining purchases, making it a great choice for those who frequently dine out or travel.

As a Chase Sapphire Reserve cardholder, you're in for a treat when it comes to hotel benefits.

You'll have access to The Edit, a collection of over 1,000 luxury hotels, resorts, lodges, and spas that offer elite benefits.

Booking The Edit hotels through Chase comes with some amazing perks, including daily breakfast for 2, a $100-$150 special experience property credit, complimentary Wi-Fi, and room upgrades upon availability.

You'll also get early check-in and late check-out, when available, which is a huge time-saver.

Here are the specific benefits you can expect when booking The Edit hotels through Chase:

These benefits are on top of any hotel-specific promotions that might be running, so be sure to check those out as well.

The Chase Sapphire Ritz-Carlton card offers a premium travel experience, but how does it stack up against other high-end cards? It has a $450 annual fee, which is lower than some other luxury cards.

One key difference is the earning structure, with 5x points on air travel and hotels, and 3x points on all other travel purchases. This is a significant advantage for frequent travelers.

The card also offers a $300 annual travel credit, which can be used towards any travel purchase. This can help offset the annual fee and make the card more valuable.

In terms of benefits, the Chase Sapphire Ritz-Carlton offers a $200 airline fee credit, which can be used towards incidentals like baggage fees. This can be a huge money-saver for frequent flyers.

The card also includes access to the Ritz-Carlton Rewards program, which offers exclusive benefits and perks at Ritz-Carlton properties. This can include things like room upgrades and free breakfast.

Ultimately, the Chase Sapphire Ritz-Carlton card is a great choice for those who value premium travel experiences and are willing to pay for the benefits.

One of the most exciting benefits of having a Chase Sapphire Reserve is the ability to unlock exclusive travel perks at select properties. These perks can elevate your travel experience and make your trips even more enjoyable.

Daily breakfast for two is included with your stay, so you can start your day off right without worrying about breakfast costs. This is a $30-$60 value per day, depending on the property.

You'll also receive a special experience credit of $100-$150, which can be used towards a variety of experiences such as wine tastings, cooking classes, or even a hot air balloon ride.

Complimentary WiFi is included, so you can stay connected with family and friends back home while still enjoying your vacation.

Room upgrades are available upon availability, so you can enjoy a higher level of luxury during your stay. Early check-in and late check-out are also available upon availability, giving you more flexibility with your travel plans.

Here's a summary of the exclusive travel perks you can enjoy with your Chase Sapphire Reserve:

If you're a Chase Sapphire Reserve cardmember, you'll want to know about The Edit, a program that offers elite benefits when booking hotels through the Chase Travel Portal. The Edit is essentially a "Chase Sapphire Hotel" collection, with benefits that vary by property.

To access The Edit hotels, go to Chase.com, then the Ultimate Rewards Portal, and search for hotels. Eligible hotels will have a "The Edit" indicator at the bottom. If you have the Chase United Family of Cards, you'll need to book through the legacy Luxury Hotel and Resorts Collection website, but only until September 2nd, 2024.

The benefits of booking through The Edit include daily breakfast for two, a $100-$150 special experience property credit, complimentary Wi-Fi, room upgrade upon availability, early check-in upon availability, and late check-out upon availability. These benefits are on top of any hotel-specific promotions that may be running.

Here are the benefits you can expect when booking through The Edit:

It's worth noting that The Edit has some similarities to the American Express Fine Hotels and Resorts (FHR) program, but also some key differences. For example, Amex FHR guarantees 4pm late check-out, whereas The Edit only offers it upon availability.

If you're a Sapphire Reserve card holder, you're in luck - you get unlimited complimentary visits, plus you can bring in two guests per visit for free.

The Ritz Carlton card holders also have unlimited complimentary visits, and they can bring in unlimited guests for free per visit.

Unfortunately, holders of the Chase Sapphire Preferred Card don't have access to these lounges, and there are no discounts available.

Keep in mind that you won't receive a welcome offer for an upgrade, and there's a 1/48 rule for receiving a welcome offer - it must be 48 months since your last Sapphire welcome offer before you're eligible again.

You can only enter the lounges prior to departure, and it must be no more than three hours before your flight to gain entry.

Travel insurance is a must-have for any trip, and the Ritz-Carlton Card offers top-notch coverage.

You'll get travel accident insurance, which covers medical and dental expenses up to $2,500 if you or a family member gets sick or injured more than 100 miles from home.

Primary car rental insurance is also included, covering theft and collision damage up to $75,000, so you can skip the car rental company's expensive insurance policy.

If you need roadside assistance, the Ritz Card's got you covered with services like locksmiths, jump-starts, and towing.

Trip delay or cancellation and interruption insurance is also included, reimbursing you for non-refundable travel arrangements if your trip gets cut short due to a covered event.

You'll also be covered up to $500 per ticket if your flight gets delayed by more than six hours, covering extra meals and lodging expenses.

Lost luggage and baggage delay insurance is also available, reimbursing you for baggage and its contents up to $3,000 per person, or for the purchase of essentials up to $100 per day for five days.

If you're a Sapphire Reserve card holder, you can bring in two guests per visit for free.

You'll also get unlimited complimentary visits to the Sapphire Lounges, which is a pretty sweet perk.

Ritz Carlton card holders get the same unlimited complimentary visits, plus they can bring in unlimited guests for free per visit.

Unfortunately, if you have a Chase Sapphire Preferred Card, you won't have access to the Sapphire Lounges.

Keep in mind that the Sapphire cards have a 1/48 rule, which means you won't be eligible for a welcome offer for an upgrade for 48 months after receiving your last one.

You can enter the lounge on a long layover with no time limit, but only if the lounge is available.