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We’re written extensively about the increased sign-up bonus on The Ritz-Carlton Rewards® Credit Card, which is presently offering three complimentary nights after spending $5,000 within three months. On top of that, you can earn 10,000 bonus points after your first purchase and addition of an authorized user within the first three months.
These complimentary nights can be redeemed at all Tier 1-4 Ritz-Carlton properties. We’ve written about some of the best properties where these can be redeemed, including within the US, internationally, along with some especially unique properties around the world.
While the card has a $450 annual fee, it comes with many great benefits that help offset it, like Ritz-Carlton Gold status, a $300 annual airline credit, and a $100 domestic companion airfare discount.
Why I haven’t yet applied for the Ritz-Carlton Rewards Card
The Chase Sapphire Reserve was recently introduced, and it offers an incredible sign-up bonus of 100,000 points upon completing minimum spend. There’s no doubt it’s a hot card, though the catch is that you typically won’t be approved for it if you’ve opened five or more new credit card accounts in the past 24 months.
Fortunately I managed to get approved for the card, so I need to wait a little while before I can apply for The Ritz-Carlton Rewards® Credit Card. One thing to keep in mind is that anecdotally the Ritz-Carlton card isn’t subjected to the “5/24” rule, meaning you can be approved even if you’ve opened more than five card accounts in the past 24 months.
While I hope to apply for this card soon, I’ll need to wait a bit.
Getting approved for the Ritz-Carlton Rewards Card
Ford decided to apply for this card. He has applied for six cards in the past 24 months, so couldn’t easily get the Sapphire Reserve. So we figured that was a good opportunity for him to be approved for The Ritz-Carlton Rewards® Credit Card instead.
He applied online on Monday morning, and he got a message saying that they needed to review his application a bit longer.
Well, this morning, less than two days later, he got notified that he was approved for the card without having to do anything further.
So that’s further proof that even those who have opened more than five card accounts in the past 24 months are eligible for the welcome bonus on this card. We’re excited to redeem the complimentary nights for an upcoming trip, and also to experience firsthand how the $300 airline credit and $100 domestic companion airfare discount works. Stay tuned for reports on that.
If you’re someone who isn’t eligible for the Sapphire Reserve, then The Ritz-Carlton Rewards® Credit Card may be a great option.
Has anyone else who isn’t eligible for the Sapphire Reserve applied for the Ritz-Carlton Card instead?
Non-Affiliate Product Disclaimer: The information for the Chase Sapphire Reserve has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.